Peoples Bank of Kankakee County
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank of Kankakee County is an FDIC-insured commercial bank headquartered in Bourbonnais, IL, established in 1962 (FDIC certificate 18566), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $375.6M, up 7.9% from Q2 2025, the 128th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.02% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18566
- Headquarters
- Bourbonnais, IL
- Established
- 1962
- Total assets, Q2 2026
- $375.6M
- Assets vs Q2 2025
- +7.9%
- CET1 ratio, Q2 2026
- 12.02%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 071923404
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank of Kankakee County call report
- Holding company
- ROMY HAMMES, INC.
- Asset rank in state
- 128th of 319 in Illinois
Peoples Bank of Kankakee County operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $376 million at June 30, 2026, up 7.9% from a year earlier; it is based in Bourbonnais, Illinois. It funds 7.67% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it pays an average of 1.30% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Delinquency has appeared in its $19 million commercial and industrial book: 2.49% of those loans are past due or on nonaccrual, against almost none a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.1 million equal 27% of Tier 1 capital, down from 37% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Peoples Bank of Kankakee County reported a CET1 capital ratio of 12.02%, a return on assets of 0.93%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.25%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples Bank of Kankakee County is the 128th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 0.9% to $375.6M, loans rose 6.6% and deposits rose 4.3%. Non-owner-occupied commercial real estate loans made up 26.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 26.8%. Its 3 offices in the FDIC Summary of Deposits are in Bourbonnais, IL, Kankakee, IL and Manteno, IL; its Bourbonnais office books 43% of its branch deposits. Judged on its Q2 2026 call report, Peoples Bank of Kankakee County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 315 Main St Nw, Bourbonnais, IL 60914
- County
- Kankakee
- Metro Area
- Kankakee, IL
- 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
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- June 20, 1962
- Former names
- Peoples Bank Marycrest (1972-1992)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $328.3M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $388.4M
- Average total loans
- $167.2M
- Average interest-bearing deposits
- $301.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 29, 1962
- FDIC Cert
- 18566
- Fed RSSD
- 821036
- Website
- www.peoplesbankdirect.com →
- Parent Holding Company
- ROMY HAMMES, INC. (RSSD 1201813)
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
From Q3 2023 to Q2 2026, Peoples Bank of Kankakee County's total assets ranged from $323.0M (Q3 2023) to $375.6M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$375.6M total assets against $348.2M; $353.9M total liabilities against $329.4M.
$168.3M net loans and leases against $160.6M; $328.3M total deposits against $302.8M.
$134.6M securities against $106.4M; $51.8M cash and balances due against $67.9M.
$3.9M total interest income against $3.4M; $1.1M total interest expense against $1.4M.
$2.8M net interest income against $2.0M.
$856K total noninterest income against $835K; $2.5M total noninterest expense against $2.4M.
$188K provision for credit losses against $114K.
$899K net income against -$2.2M.
0.93% return on assets against -2.44%; 3.41% net interest margin against 2.68%.
12.02% CET1 capital ratio against 14.15%; 7.67% tier 1 leverage ratio against 8.31%.
Inside the full Peoples Bank of Kankakee County 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Peoples Bank of Kankakee County rankings
Its closest position to the top of a national ranking is 2,146 of 4,196, for total assets; its furthest is 1,705 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.44% (Q2 2025) to 5.56% (Q1 2025) and its net interest margin ran from 2.22% (Q3 2024) to 3.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.02% | 0.93% | 0.32% | 2.25% | 3.41% |
| Q1 2026 | 13.56% | 0.90% | 0.02% | 0.14% | 3.11% |
| Q4 2025 | 14.01% | 0.64% | 0.02% | 0.14% | 3.08% |
| Q3 2025 | 13.87% | -1.38% | 0.00% | 0.00% | 2.89% |
| Q2 2025 | 14.15% | -2.44% | 0.12% | 0.96% | 2.68% |
| Q1 2025 | 16.09% | 5.56% | 0.13% | 0.96% | 2.25% |
| Q4 2024 | 13.34% | 0.09% | 0.02% | 0.19% | 2.25% |
| Q3 2024 | 13.40% | 0.32% | 0.02% | 0.19% | 2.22% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Peoples Bank of Kankakee County (main office) | Bourbonnais , IL | 60914 | $140.1M |
| Kankakee Branch | Kankakee , IL | 60901 | $139.8M |
| Peoples Bank of Kankakee County Branch | Manteno , IL | 60950 | $48.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 15, 1990 | Structure Change | Acquired Crest Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 14, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 145 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 174 applications, 113 loans originated, $20.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $288K approved, $288K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Peoples Bank of Kankakee County
What are Peoples Bank of Kankakee County's total assets?
As of the Q2 2026 filing, Peoples Bank of Kankakee County reported total assets of $375.6 million in its FFIEC call report.
Where is Peoples Bank of Kankakee County headquartered?
It is headquartered in Bourbonnais, IL, United States.
When was Peoples Bank of Kankakee County founded?
It was established in 1962, per the FDIC institution directory.
Is Peoples Bank of Kankakee County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Kankakee County?
Peoples Bank of Kankakee County's primary federal regulator is the FDIC.
What is Peoples Bank of Kankakee County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.02% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples Bank of Kankakee County operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank of Kankakee County's Texas Ratio?
Its Texas Ratio is 2.25% 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.
What was Peoples Bank of Kankakee County previously called?
The charter now named Peoples Bank of Kankakee County has also operated as Peoples Bank Marycrest (1972-1992), per FDIC structure-change records.
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