Peoples Bank & Trust: 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.
The standout move of Q2 2026 was in Securities to assets: 3.78 percentage points higher than in Q1 2026, at 28.15%. On return on assets, Peoples Bank & Trust ranks 12th highest among the 323 banks headquartered in Illinois, at 2.42% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Peoples Bank & Trust reported 2.42% on return on assets in Q2 2026, 1.17 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.48% |
| Tier 1 risk-based capital ratio | 16.48% |
| Total risk-based capital ratio | 17.52% |
| Tier 1 leverage ratio | 10.73% |
| Equity capital to assets | 10.65% |
| Tangible equity to tangible assets | 9.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.10% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 9.80% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 86.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.42% |
| Return on equity | 23.67% |
| Net interest margin | 5.53% |
| Efficiency ratio | 42.13% |
| Yield on earning assets | 6.66% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.94% |
| Core deposits to total deposits | 97.43% |
| Brokered deposits to total deposits | 0.22% |
| Deposits to assets | 79.53% |
| Securities to assets | 28.15% |
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 | 15.94% | 15.94% | 17.04% | 9.95% | 1.38% |
| Q4 2023 | 16.03% | 16.03% | 17.14% | 10.07% | 0.35% |
| Q1 2024 | 17.53% | 17.53% | 18.64% | 10.56% | 1.88% |
| Q2 2024 | 15.28% | 15.28% | 16.36% | 10.01% | 1.95% |
| Q3 2024 | 15.13% | 15.13% | 16.20% | 9.39% | 1.80% |
| Q4 2024 | 15.24% | 15.24% | 16.24% | 9.90% | 0.01% |
| Q1 2025 | 15.88% | 15.88% | 16.98% | 9.94% | 1.94% |
| Q2 2025 | 16.17% | 16.17% | 17.32% | 10.20% | 2.09% |
| Q3 2025 | 14.39% | 14.39% | 15.57% | 8.81% | 1.31% |
| Q4 2025 | 13.48% | 13.48% | 14.52% | 8.61% | 1.01% |
| Q1 2026 | 13.94% | 13.94% | 15.03% | 9.03% | 1.97% |
| Q2 2026 | 16.48% | 16.48% | 17.52% | 10.73% | 2.42% |
Peoples Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17320) · FFIEC NIC profile (RSSD 922344)