PEOPLEFIRST BANK

JOLIET, IL | Small | Est. Jan. 8, 2007, midnight | FDIC #58597 | RSSD #3548763 | FDIC
Latest Report: 2025-12-31

PEOPLEFIRST BANK is asn small FDIC-insured commercial bank headquartered in JOLIET, IL, established in Jan. 8, 2007, midnight. As of 2025-12-31, the bank reported total assets of $264M and total deposits of $216M. Profitability stands at 0.05% ROA and 0.45% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 16.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.06%. FDIC Certificate #58597.

Assets

$264M

Deposits

$216M

Loans

$175M

Equity

$30M

Profitability

Return on Assets (ROA) 0.05%
Return on Equity (ROE) 0.45%
Net Interest Margin (NIM) 3.72%
Yield on Assets 5.87%
Cost of Funds 2.27%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 1.17%
Texas Ratio 1.06%
NPA Ratio 0.13%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 16.40%
Tier 1 Capital 16.40%
Total Capital Ratio 17.63%
Leverage Ratio 11.75%
Loan-to-Deposit 81.05%

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