Peoplefirst Bank
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Data as of · sourced from FFIEC call reports. How we update
Peoplefirst Bank is an FDIC-insured commercial bank headquartered in Joliet, IL, established in 2007 (FDIC certificate 58597), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $265.6M, up 2.3% from Q2 2025, the 167th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 16.31% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58597
- Headquarters
- Joliet, IL
- Established
- 2007
- Total assets, Q2 2026
- $265.6M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 16.31%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071926692
- Latest call report
- Q2 2026, FFIEC 051 · Peoplefirst Bank call report
- Holding company
- PFB HOLDING COMPANY
- Asset rank in state
- 167th of 319 in Illinois
Peoplefirst Bank leans heavily on commercial real estate. It reported $266 million in assets at June 30, 2026, up 2.3% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also lost 0.7% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Earnings fell sharply: quarterly net income of $841,000 was 33% below a year earlier. Over the same year, loans grew 7.1% and deposits shrank 0.7%. Funding is the softer spot: it pays an average of 2.34% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Peoplefirst Bank reported a CET1 capital ratio of 16.31%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.72%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Peoplefirst Bank is the 167th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 8.7% to $265.6M, loans rose 5.4% and deposits rose 10.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 37.3% of total loans, followed by owner-occupied commercial real estate loans at 21.9%. The FDIC Summary of Deposits lists 2 offices for it, in Joliet, IL and Shorewood, IL; its Joliet office books 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peoplefirst Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 8, 2007
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $211.1M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $29K
- Average total assets
- $257.1M
- Average total loans
- $179.7M
- Average interest-bearing deposits
- $143.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 8, 2007
- FDIC Cert
- 58597
- Fed RSSD
- 3548763
- Website
- www.peoplefirstbank.com →
- Parent Holding Company
- PFB HOLDING COMPANY (RSSD 5613115)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Peoplefirst Bank's total assets moved between a low of $244.4M (Q1 2026) and a high of $267.8M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$265.6M total assets against $259.8M; $234.1M total liabilities against $229.9M.
$182.7M net loans and leases against $170.5M; $211.1M total deposits against $212.7M.
$21.6M securities against $18.6M; $45.3M cash and balances due against $54.5M.
$3.4M total interest income against $3.5M; $1.3M total interest expense against $1.4M.
$2.1M net interest income against $2.1M.
$1.1M total noninterest income against $1.2M; $2.0M total noninterest expense against $1.8M.
$70K provision for credit losses against -$165K.
$841K net income against $1.2M.
1.31% return on assets against 1.99%; 3.88% net interest margin against 3.94%.
16.31% CET1 capital ratio against 16.49%; 12.35% tier 1 leverage ratio against 12.04%.
Inside the full Peoplefirst Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Peoplefirst Bank rankings
Its closest position to the top of a national ranking is 667 of 2,134, for CET1 ratio; its furthest is 2,855 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.05% (Q4 2025) to 1.99% (Q2 2025) and its net interest margin ran from 2.79% (Q3 2024) to 3.94% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.31% | 1.31% | 0.13% | 0.72% | 3.88% |
| Q1 2026 | 16.76% | 0.98% | 0.15% | 0.80% | 3.76% |
| Q4 2025 | 16.40% | 0.05% | 0.20% | 1.06% | 3.89% |
| Q3 2025 | 16.19% | 1.16% | 0.42% | 2.31% | 3.88% |
| Q2 2025 | 16.49% | 1.99% | 0.39% | 2.10% | 3.94% |
| Q1 2025 | 15.53% | 0.88% | 1.52% | 8.58% | 3.33% |
| Q4 2024 | 15.38% | 0.81% | 1.43% | 8.03% | 3.14% |
| Q3 2024 | 15.47% | 0.99% | 1.24% | 6.84% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoplefirst Bank (main office) | Joliet , IL | 60435 | $135.2M |
| Shorewood Branch | Shorewood , IL | 60404 | $76.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 200 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoplefirst Bank
What are Peoplefirst Bank's total assets?
As of the Q2 2026 filing, Peoplefirst Bank reported total assets of $265.6 million in its FFIEC call report.
Where is Peoplefirst Bank headquartered?
It is headquartered in Joliet, IL, United States.
When was Peoplefirst Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Peoplefirst Bank FDIC-insured?
Yes. It 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.
What is Peoplefirst Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.31% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoplefirst Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoplefirst Bank's Texas Ratio?
Its Texas Ratio is 0.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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