Bank Comparison
Peoples Bank of Kankakee County vs Premier Bank of the South
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Peoples Bank of Kankakee County | Premier Bank of the South |
|---|---|---|
| CET1 Ratio | 13.56% | 15.76% |
| Tier 1 Capital Ratio | 13.56% | 15.76% |
| Total Capital Ratio | 14.53% | 16.81% |
| Tier 1 Leverage Ratio | 7.79% | 9.29% |
| Equity / Assets | 5.96% | 8.48% |
Profitability
| Metric | Peoples Bank of Kankakee County | Premier Bank of the South |
|---|---|---|
| Return on Assets (ROA) | 0.90% | 1.00% |
| Return on Equity (ROE) | 15.22% | 11.84% |
| Net Interest Margin (NIM) | 3.11% | 4.02% |
| Yield on Earning Assets | 4.66% | 5.30% |
| Cost of Funds | 1.41% | 1.37% |
Asset quality
| Metric | Peoples Bank of Kankakee County | Premier Bank of the South |
|---|---|---|
| Texas Ratio | 0.14% | 2.99% |
| Non-Performing Loan Ratio | 0.02% | 0.43% |
| Non-Performing Asset Ratio | 0.01% | 0.26% |
| Net Charge-Off Ratio | 0.00% | 0.17% |
| ACL / Loans | 1.30% | 1.01% |
Balance sheet
| Metric | Peoples Bank of Kankakee County | Premier Bank of the South |
|---|---|---|
| Total Assets | $372,207K | $372,084K |
| Total Deposits | $314,897K | $338,887K |
| Total Loans | $160,047K | $228,782K |
| Total Equity | $22,181K | $31,547K |
| Net Income (quarter) | $841 | $933 |
Liquidity & funding
| Metric | Peoples Bank of Kankakee County | Premier Bank of the South |
|---|---|---|
| Loan-to-Deposit Ratio | 50.83% | 67.51% |
| Core Deposit Ratio | 93.51% | 96.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank of Kankakee County | Premier Bank of the South |
|---|---|---|
| Headquarters City | BOURBONNAIS | CULLMAN |
| Headquarters State | IL | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 9 |
| Employees (FTE) | 61 | 83 |
| Established | June 20, 1962, midnight | Nov. 30, 1987, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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