Peoples Bank of Macon
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank of Macon is an FDIC-insured commercial bank headquartered in Macon, IL, established in 1964 (FDIC certificate 19105), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $22.7M, down 3.3% from Q2 2025, the 314th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19105
- Headquarters
- Macon, IL
- Established
- 1964
- Total assets, Q2 2026
- $22.7M
- Assets vs Q2 2025
- -3.3%
- Tier 1 leverage ratio, Q2 2026
- 13.57%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071108193
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank of Macon call report
- Asset rank in state
- 314th of 319 in Illinois
Peoples Bank of Macon, based in Macon, Illinois, reported $23 million in assets at June 30, 2026, down 3.3% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
Earnings fell sharply: quarterly net income of $16,000 was 38% below a year earlier. Profitability lags: it returns 2.1% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, Peoples Bank of Macon reported a return on assets of 0.28%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Peoples Bank of Macon is the 314th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.7% to $22.7M, loans rose 7.6% and deposits fell 4.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 32.2% of total loans, ahead of auto loans at 21.2%. Its one office in the FDIC Summary of Deposits is in Macon, IL. On its Q2 2026 call report, Peoples Bank of Macon meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 191 N Front St, Macon, IL 62544
- County
- Macon
- Metro Area
- Decatur, 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
- —
- Call Report form
- FFIEC 051
- Established
- May 11, 1964
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $19.5M
- Allowance for credit losses
- $76K
- Net charge-offs (YTD)
- $0
- Average total assets
- $22.7M
- Average total loans
- $6.5M
- Average interest-bearing deposits
- $15.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1964
- FDIC Cert
- 19105
- Fed RSSD
- 418436
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Peoples Bank of Macon reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoples Bank of Macon's total assets moved between a low of $22.7M (Q2 2026) and a high of $27.8M (Q3 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
$22.7M total assets against $23.5M; $19.6M total liabilities against $20.4M.
$6.4M net loans and leases against $6.5M; $19.5M total deposits against $20.1M.
$9.5M securities against $10.2M; $6.5M cash and balances due against $6.5M.
$212K total interest income against $207K; $50K total interest expense against $40K.
$162K net interest income against $167K.
$4K total noninterest income against $4K; $148K total noninterest expense against $140K.
$0 provision for credit losses against $0.
$16K net income against $26K.
0.28% return on assets against 0.45%; 3.00% net interest margin against 3.01%.
13.57% tier 1 leverage ratio against 13.33%.
Inside the full Peoples Bank of Macon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.28% (Q2 2026) to 0.93% (Q3 2024) and its net interest margin ran from 2.51% (Q3 2024) to 3.18% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.57% | 0.28% | 0.00% | 0.00% | 3.00% |
| Q1 2026 | 13.11% | 0.33% | 0.15% | 0.29% | 2.97% |
| Q4 2025 | 12.37% | 0.47% | 0.00% | 0.00% | 3.06% |
| Q3 2025 | 12.40% | 0.60% | 0.00% | 0.00% | 3.18% |
| Q2 2025 | 13.33% | 0.45% | 0.00% | 0.00% | 3.01% |
| Q1 2025 | 12.73% | 0.65% | 0.00% | 0.00% | 2.57% |
| Q4 2024 | 11.24% | 0.76% | 0.00% | 0.00% | 2.67% |
| Q3 2024 | 11.57% | 0.93% | 0.00% | 0.00% | 2.51% |
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Branch Network
View the branch → 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 Macon (main office) | Macon , IL | 62544 | $19.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 372 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 Peoples Bank of Macon
What are Peoples Bank of Macon's total assets?
As of the Q2 2026 filing, Peoples Bank of Macon reported total assets of $22.7 million in its FFIEC call report.
Where is Peoples Bank of Macon headquartered?
It is headquartered in Macon, IL, United States.
When was Peoples Bank of Macon founded?
It was established in 1964, per the FDIC institution directory.
Is Peoples Bank of Macon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19105). 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 Macon?
Peoples Bank of Macon's primary federal regulator is the FDIC.
How many branches does Peoples Bank of Macon operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank of Macon's Texas Ratio?
Its Texas Ratio is 0.00% 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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