Peoples Bank (Munster, IN): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank spends more to run itself than most banks of its size. The Munster, Indiana bank had $2.0 billion in assets at June 30, 2026. It earns about $0.40 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 82 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $55 million equal 29% of Tier 1 capital, down from 42% a year earlier. Its $335 million non-owner-occupied commercial real estate book is improving, with 1.65% past due or on nonaccrual, down from 3.32% a year earlier. Credit is the area to watch: it carries problem assets equal to 9.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Peoples Bank reported a CET1 capital ratio of 11.81%, a return on assets of 0.40%, a nonperforming-loan ratio of 1.10% and a Texas ratio of 9.66%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 9204 Columbia Ave, Munster, IN 46321
- County
- Lake
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1916
- Former names
- Peoples Bank SB (1994-2020); Peoples Bank, A Federal Savings Bank (1989-1994)
- Offices
- 24 domestic
- Employees (FTE)
- 305
- Domestic deposits
- $1.73B
- Allowance for credit losses
- $17.7M
- Net charge-offs (YTD)
- -$34K
- Average total assets
- $2.07B
- Average total loans
- $1.47B
- Average interest-bearing deposits
- $1.68B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29523
- Fed RSSD
- 568470
- SEC CIK
- 919864 → filed by FINWARD BANCORP
- Website
- http://www.ibankpeoples.com →
- Parent Holding Company
- FINWARD BANCORP (RSSD 2237118) · FNWD
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Benjamin J Bochnowski | CEO | President, CEO |
| David A Bochnowski | CHR | Executive Chairman |
| Schmitt Benjamin Louis | CFO | Chief Financial Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Peoples Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Peoples Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Peoples Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.81% | 0.40% | 1.27% | 9.66% | 3.23% |
| Q1 2026 | 12.03% | 0.44% | 1.00% | 7.55% | 3.22% |
| Q4 2025 | 11.86% | 0.37% | 0.83% | 7.16% | 3.17% |
| Q3 2025 | 11.49% | 0.66% | 0.95% | 8.75% | 3.02% |
| Q2 2025 | 11.30% | 0.41% | 0.92% | 9.27% | 2.97% |
| Q1 2025 | 11.02% | 0.09% | 0.87% | 8.66% | 2.74% |
| Q4 2024 | 11.26% | 0.39% | 0.95% | 9.63% | 2.64% |
| Q3 2024 | 11.10% | 0.11% | 0.96% | 9.11% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank (main office) | Munster , IN | 46321 | $225.9M |
| Merrillville East | Merrillville , IN | 46410 | $223.6M |
| Schererville | Schererville , IN | 46375 | $151.5M |
| Valpo - Calumet Avenue Branch | Valparaiso , IN | 46383 | $94.6M |
| Crown Point Branch | Crown Point , IN | 46307 | $79.6M |
| Saint John in Branch | Saint John , IN | 46373 | $73.0M |
| Peoples Bank Branch | Midlothian , IL | 60445 | $70.3M |
| Commercial Branch | Chicago , IL | 60617 | $68.5M |
| First Personal Bank Branch | Orland Park , IL | 60462 | $68.3M |
| 4901 Indianapolis Blvd. Branch | East Chicago , IN | 46312 | $64.8M |
| 8000 W 159th St Branch | Orland Park , IL | 60462 | $63.7M |
| Highland Banking Center Branch | Highland , IN | 46322 | $60.6M |
| Milwaukee Avenue Branch | Niles , IL | 60714 | $59.7M |
| Archer Avenue Branch | Chicago , IL | 60638 | $59.5M |
| 21 East Ogden Avenue Branch | Westmont , IL | 60559 | $54.4M |
| Lemont Branch | Lemont , IL | 60439 | $51.2M |
| 1501 Lake Park Avenue Branch | Hobart , IN | 46342 | $47.2M |
| Peoples Bank Cedar Lake Banking Center Branch | Cedar Lake , IN | 46303 | $42.7M |
| 5400 South Pulaski Road Branch | Chicago , IL | 60632 | $40.4M |
| Liberty Savings Bank Branch | Whiting , IN | 46394 | $39.7M |
| 7120 Indianapolis Blvd Branch | Hammond , IN | 46324 | $39.3M |
| West 55th Street Branch | Chicago , IL | 60632 | $25.7M |
| Archer Ave Branch | Chicago , IL | 60608 | $19.0M |
| Gary - 25th Avenue Branch | Gary , IN | 46404 | $10.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 31, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 31, 2022 | Structure Change | Acquired Royal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 24, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 24, 2019 | Structure Change | Acquired A J Smith Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 26, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 26, 2018 | Structure Change | Acquired First Personal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2015 | Structure Change | Acquired Liberty Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2014 | Structure Change | Acquired First Federal Savings and Loan Association of Hammond Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for Peoples Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 20 against the institution (SEC Form 8-K)
- July 6, 2026, SEC Form 8-K: 8-K Item 8.01: memorandum of understanding
- June 3, 2026, SEC Form 8-K: 8-K Item 8.01: memorandum of understanding
- March 2, 2026, SEC Form 8-K: 8-K Item 8.01: memorandum of understanding
- February 24, 2026, SEC Form 8-K: 8-K Item 8.01: memorandum of understanding
- December 3, 2025, SEC Form 8-K: 8-K Item 8.01: memorandum of understanding
- Period: Most recent institution action July 6, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in IN, rank 28 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 602 applications, 439 loans originated, $103.2M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $935K approved, $234K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Peoples Bank
What are Peoples Bank's total assets?
As of the Q2 2026 filing, Peoples Bank reported total assets of $2.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank headquartered?
Peoples Bank is headquartered in Munster, IN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Peoples Bank founded?
Peoples Bank was established in 1916, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. Peoples Bank is an FDIC-insured commercial bank (FDIC Certificate #29523). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank?
Peoples Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Bank's CET1 capital ratio?
Peoples Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples Bank operate?
Peoples Bank operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank's Texas Ratio?
Peoples Bank's Texas Ratio is 9.66% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Peoples Bank previously called?
The charter now named Peoples Bank has also operated as Peoples Bank SB (1994-2020), Peoples Bank, A Federal Savings Bank (1989-1994), per FDIC structure-change records.
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