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PeopleFirst Bank

$100M-$1B Specialty: Commercial IL FDIC cert 58597

Joliet, IL

2 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -0.7% year over year ($211.1M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 1.14%.
  • Efficiency ratio 66.03% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.55% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

PeopleFirst Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 20.1% in tier
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 10.5% in tier
  • - Margin Compression: Bottom 20.5% in tier
  • - Liquidity Overhang: Bottom 45.8% in tier
  • - Net Interest Margin 0.11% below tier average
  • - Efficiency Ratio 1.55% above tier average
Get updates when PeopleFirst Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $265.6M
+2.3% YoY +8.7% QoQ
-$120.9M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $182.7M
+7.1% YoY +5.4% QoQ
-$75.6M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $211.1M
-0.7% YoY +10.3% QoQ
-$115.6M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 1.14%
-19.8% YoY +15.0% QoQ
-0.18% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
43%
Net Interest Margin ? 3.88%
+7.4% YoY +0.1% QoQ
-0.11% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 66.03%
+2.9% YoY -5.1% QoQ
+1.55% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.13%
-66.3% YoY -13.0% QoQ
-0.79% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
71%
Loan-to-Deposit Ratio ? 86.55%
+7.9% YoY -4.4% QoQ
+8.59% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 26.44%
-23.7% YoY -8.5% QoQ
+4.41% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.09%
-64.7% YoY -15.6% QoQ
-0.58% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 16.31%
-1.1% YoY -2.7% QoQ
+0.40% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.80%
-15.2% YoY +97.1% QoQ
+0.23% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 4.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 26.4%
-8.2pp YoY
-2.5pp QoQ
 +4.3pp 22.1% 20.1% 22.2% 71%
Brokered Deposits 4.6%
0.0pp YoY
+1.6pp QoQ
 -3.2pp 7.9% 8.0% 8.5% 49%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 5.4%
-3.7pp YoY
+1.4pp QoQ
 -6.2pp 11.6% 14.7% 12.5% 22%
CRE 84.5%
+3.4pp YoY
-0.6pp QoQ
 +44.9pp 39.5% 37.9% 41.4% 98%
1-4 Family 9.3%
+0.2pp YoY
-0.5pp QoQ
 -23.4pp 32.6% 28.3% 31.3% 10%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.4% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 16.3%
-0.2pp YoY
-0.5pp QoQ
 -2.5pp 18.8% 19.9% 19.7% 60%
Leverage Ratio 12.3%
+0.3pp YoY
+0.2pp QoQ
 +0.2pp 12.2% 12.2% 12.6% 68%
Total Capital Ratio 17.6%
-0.2pp YoY
-0.5pp QoQ
 -2.4pp 19.9% 20.9% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 28
-1 (-3.4%) YoY
0 QoQ
 -31 58 228 482 24%
Assets per Employee ($) $9.5M
+5.9% YoY
+8.7% QoQ
 +$2.0M $7.5M $8.3M $8.8M 83%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
-0.3pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 22%
Allowance Coverage 10.00x
+199.4% YoY
+13.0% QoQ
 -14.15x 24.15x 5.62x 20.23x 82%
Net Charge-off Rate (YTD) 0.0%
+0.2pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 9.5%
-3.1pp YoY
+1.3pp QoQ
 -2.7pp 12.2% 10.5% 11.6% 34%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.6% 1.7% 87%
Net Income ($, YTD) $1.5M
-19.4% YoY
— QoQ
 -$1.1M $2.6M $11.7M $40.4M 41%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#134 of 661 • Top 20.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.80%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.14%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Deposit Outflow

decline
#57 of 535 • Bottom 10.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Margin Compression

decline
#64 of 307 • Bottom 20.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.14%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Liquidity Overhang

risk
#341 of 742 • Bottom 45.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.31%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 86.55%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

127
Non-Interest Income / Assets
revenue_mix
Value: 0.80%
Peer Median: 0.57%
#127 of 2643 Top 4.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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