BlastPoint's Banking Scorecard

PeopleFirst Bank

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

Joliet, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

PeopleFirst Bank has 2 strengths but faces 6 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 20.3% in tier
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.5% in tier
- Flatlined Growth: Bottom 31.5% in tier
- Liquidity Overhang: Bottom 36.4% in tier
- ROA 0.28% below tier average
- Net Interest Margin 0.05% below tier average
- Efficiency Ratio 4.30% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$244.4M -0.4% YoY -7.5% QoQ	-$141.6M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	36%
Total Loans ?	$173.3M +0.1% YoY +0.1% QoQ	-$82.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$191.3M -1.5% YoY -11.6% QoQ	-$136.6M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	0.99% +9.3% YoY -1.6% QoQ	-0.28%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	3.88% +14.4% YoY +2.2% QoQ	-0.05%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	69.59% -8.2% YoY +20.8% QoQ	+4.30%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	0.15% -90.1% YoY -24.2% QoQ	-0.73%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	90.56% +1.6% YoY +13.2% QoQ	+13.92%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	28.91% +6.8% YoY -10.9% QoQ	+6.89%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.11% -90.0% YoY -17.9% QoQ	-0.53%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	16.76% +7.9% YoY +2.2% QoQ	+0.93%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.40% -18.1% YoY -77.6% QoQ	+0.12%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 4.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#136 of 666 • Top 20.3% 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: 0.40%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.99%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Liquidity Strain

risk

#49 of 643 • Bottom 7.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.56%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Flatlined Growth

risk

#162 of 512 • Bottom 31.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.99%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#270 of 739 • Bottom 36.4% 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: 16.76%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 90.56%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

119

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.28%

#119 of 2664 Top 4.4% in $100M-$1B

555

Non-Interest-Bearing Deposit Share

funding

Value: 28.91%

Peer Median: 22.02%

#555 of 2664 Top 20.8% in $100M-$1B

638

Tier 1 Capital Ratio

capital

Value: 16.76%

Peer Median: 15.83%

#638 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (1 metrics)

2046

Loan-to-Deposit Ratio

liquidity

Value: 90.56%

Peer Median: 76.64%

#2046 of 2664 Bottom 23.2% in $100M-$1B