Peoples Bank of Kankakee County: 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 dropped 5514.06 percentage points in Q2 2026, from 5934.29% to 420.22%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Peoples Bank of Kankakee County is 214th of 323 on return on assets, 0.93% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Peoples Bank of Kankakee County sits 0.33 points lower, at 0.93% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.02% |
| Tier 1 risk-based capital ratio | 12.02% |
| Total risk-based capital ratio | 12.93% |
| Tier 1 leverage ratio | 7.67% |
| Equity capital to assets | 5.77% |
| Tangible equity to tangible assets | 5.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.25% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 420.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 16.40% |
| Net interest margin | 3.41% |
| Efficiency ratio | 69.72% |
| Yield on earning assets | 4.79% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.95% |
| Core deposits to total deposits | 93.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.42% |
| Securities to assets | 35.83% |
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 | 13.55% | 13.55% | 14.43% | 7.97% | 0.61% |
| Q4 2023 | 13.82% | 13.82% | 14.73% | 7.94% | 0.83% |
| Q1 2024 | 13.47% | 13.47% | 14.43% | 8.04% | 0.12% |
| Q2 2024 | 13.70% | 13.70% | 14.67% | 7.87% | 0.06% |
| Q3 2024 | 13.40% | 13.40% | 14.36% | 8.02% | 0.32% |
| Q4 2024 | 13.34% | 13.34% | 14.31% | 7.83% | 0.09% |
| Q1 2025 | 16.09% | 16.09% | 17.06% | 8.97% | 5.56% |
| Q2 2025 | 14.15% | 14.15% | 15.14% | 8.31% | -2.44% |
| Q3 2025 | 13.87% | 13.87% | 14.90% | 7.88% | -1.38% |
| Q4 2025 | 14.01% | 14.01% | 15.04% | 7.82% | 0.64% |
| Q1 2026 | 13.56% | 13.56% | 14.53% | 7.79% | 0.90% |
| Q2 2026 | 12.02% | 12.02% | 12.93% | 7.67% | 0.93% |
Peoples Bank of Kankakee County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Kankakee County, 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 Peoples Bank of Kankakee County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18566) · FFIEC NIC profile (RSSD 821036)