Peoplefirst Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 115.13 percentage points in Q2 2026, from 885.28% to 1000.41%. It was the largest change from Q1 2026 among the key lines here. Peoplefirst Bank ranks 135th of 323 Illinois banks on return on assets, in the upper half at 1.31% (Q2 2026). Peoplefirst Bank reported 1.31% on return on assets for Q2 2026, 0.05 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.31% |
| Tier 1 risk-based capital ratio | 16.31% |
| Total risk-based capital ratio | 17.56% |
| Tier 1 leverage ratio | 12.35% |
| Equity capital to assets | 11.86% |
| Tangible equity to tangible assets | 11.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.72% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 1000.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 10.80% |
| Net interest margin | 3.88% |
| Efficiency ratio | 62.49% |
| Yield on earning assets | 6.29% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.70% |
| Core deposits to total deposits | 91.73% |
| Brokered deposits to total deposits | 4.64% |
| Deposits to assets | 79.47% |
| Securities to assets | 8.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.67% | 13.67% | 14.92% | 10.24% | 1.18% |
| Q4 2023 | 14.02% | 14.02% | 15.24% | 10.79% | 1.59% |
| Q1 2024 | 14.36% | 14.36% | 15.61% | 11.05% | 0.98% |
| Q2 2024 | 14.39% | 14.39% | 15.56% | 10.42% | 1.01% |
| Q3 2024 | 15.47% | 15.47% | 16.72% | 10.85% | 0.99% |
| Q4 2024 | 15.38% | 15.38% | 16.61% | 11.11% | 0.81% |
| Q1 2025 | 15.53% | 15.53% | 16.78% | 11.14% | 0.88% |
| Q2 2025 | 16.49% | 16.49% | 17.72% | 12.04% | 1.99% |
| Q3 2025 | 16.19% | 16.19% | 17.42% | 11.91% | 1.16% |
| Q4 2025 | 16.40% | 16.40% | 17.63% | 11.75% | 0.05% |
| Q1 2026 | 16.76% | 16.76% | 18.01% | 12.10% | 0.98% |
| Q2 2026 | 16.31% | 16.31% | 17.56% | 12.35% | 1.31% |
Peoplefirst Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoplefirst Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoplefirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58597) · FFIEC NIC profile (RSSD 3548763)