Peoplefirst Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoplefirst Bank of Joliet, IL against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.31% | 1.34% | -0.03% | 53rd above |
| ROAE | 10.80% | 13.31% | -2.51% | 41st below |
| Net Interest Margin | 3.88% | 3.93% | -0.05% | 47th below |
| Efficiency Ratio | 62.49% | 61.14% | +1.35% | 47th below |
| PPNR / Avg Assets | 1.88% | 1.68% | +0.20% | 67th above |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 2.34% | 1.88% | +0.46% | 20th bottom |
| Net Interest Spread | 3.11% | 3.32% | -0.21% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 70th above |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 71st above |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 93rd top |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 64th above |
| ACL / NPLs (Coverage) | 1000.41% | 1538.82% | -538.41% | — |
| Texas Ratio | 0.72% | 7.33% | -6.61% | 77th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 517.24% | 1395.83% | -878.59% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.31% | 19.50% | -3.19% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.31% | 19.54% | -3.23% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.56% | 20.62% | -3.06% | 60th above |
| Leverage Ratio | 12.35% | 12.14% | +0.21% | 68th above |
| Equity / Assets | 11.86% | 11.37% | +0.49% | 70th above |
| TCE / Tangible Assets | 11.86% | 11.09% | +0.77% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.70% | 80.64% | +7.06% | 33rd below |
| Core Deposit Ratio | 91.73% | 86.86% | +4.87% | 65th above |
| Wholesale Funding Ratio | 7.91% | 5.03% | +2.88% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.25% | 6.85% | -4.60% | 34th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.15% | 7.90% | -0.75% | 61st above |
| Deposit Growth (Y/Y) | -0.73% | 6.29% | -7.02% | 19th bottom |
See Peoplefirst Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoplefirst Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoplefirst Bank profile, how to read a UBPR, or how this data updates.