PERU FEDERAL SAVINGS BANK

PERU, IL | Small | Est. Jan. 1, 1887, midnight | FDIC #29384 | RSSD #305077 | OCC
Latest Report: 2025-12-31

PERU FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in PERU, IL, established in Jan. 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $207M and total deposits of $172M. Profitability stands at 1.16% ROA and 7.54% ROE, with a net interest margin of 3.07%. The bank's CET1 capital ratio is 31.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.66%. FDIC Certificate #29384.

Assets

$207M

Deposits

$172M

Loans

$110M

Equity

$32M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 7.54%
Net Interest Margin (NIM) 3.07%
Yield on Assets 4.85%
Cost of Funds 1.97%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.66%
NPA Ratio 0.11%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 31.72%
Tier 1 Capital 31.72%
Total Capital Ratio 32.53%
Leverage Ratio 16.10%
Loan-to-Deposit 63.68%

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