Peoplefirst Bank
Operating from Joliet, IL, Peoplefirst Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Peoplefirst reported $244M in total assets against $191M in deposits. Earnings are mid-range — 0.98% ROA and a 3.76% net interest margin. Capital cushions are healthy: 16.76% CET1, 12.10% Tier 1 leverage. Asset quality is pristine — 0.15% NPLs and a 0.80% Texas Ratio. 2 branches make up the footprint.
Headquarters Profile
- Address
- 3100 Theodore St, JOLIET, IL 60435
- County
- Will
- Metro Area
- CHICAGO-NAPERVILLE-ELGIN, IL-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- January 8, 2007
- Branches
- 2 domestic
- Employees (FTE)
- 28
- FDIC Cert
- 58597
- Fed RSSD
- 3548763
- Website
- www.peoplefirstbank.com →
- Parent Holding Company
- PFB HOLDING COMPANY (RSSD 5613115)
Capital & Liquidity
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Peoplefirst Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Peoplefirst Bank
What are Peoplefirst Bank's total assets?
As of the Q1 2026 filing, Peoplefirst Bank reported total assets of $244.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoplefirst Bank headquartered?
Peoplefirst Bank is headquartered in JOLIET, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoplefirst Bank founded?
Peoplefirst Bank was established in 2007, per the FDIC institution directory.
Is Peoplefirst Bank FDIC-insured?
Yes. Peoplefirst Bank is an FDIC-insured commercial bank (FDIC Certificate #58597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoplefirst Bank?
Peoplefirst 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 Peoplefirst Bank's CET1 capital ratio?
Peoplefirst Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.76% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Peoplefirst Bank operate?
Peoplefirst Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Peoplefirst Bank's Texas Ratio?
Peoplefirst Bank's Texas Ratio is 0.80% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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