Peoples State Bank of Colfax: 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 Q3 2026 was in Securities to assets: 1.89 percentage points higher than in Q2 2026, at 28.84%. Within Illinois, Peoples State Bank of Colfax is 48th of 323 on return on assets, 1.79% as of Q3 2026, above the middle of the field. Peoples State Bank of Colfax's return on assets of 1.79% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.81 points (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.72% |
| Equity capital to assets | 10.70% |
| Tangible equity to tangible assets | 10.70% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.58% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 16.13% |
| Net interest margin | 4.12% |
| Efficiency ratio | 48.74% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.16% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 45.55% |
| Core deposits to total deposits | 93.64% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.58% |
| Securities to assets | 28.84% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 23.21% | 23.21% | 23.70% | 11.27% | 1.13% |
| Q1 2024 | 23.41% | 23.41% | 23.92% | 12.24% | 1.17% |
| Q2 2024 | 22.16% | 22.16% | 22.65% | 12.24% | 1.24% |
| Q3 2024 | 23.17% | 23.17% | 23.70% | 11.75% | 1.38% |
| Q4 2024 | — | — | — | 10.91% | 1.29% |
| Q1 2025 | — | — | — | 11.56% | 1.32% |
| Q2 2025 | — | — | — | 12.09% | 1.49% |
| Q3 2025 | — | — | — | 11.86% | 1.75% |
| Q4 2025 | — | — | — | 10.93% | 1.43% |
| Q1 2026 | — | — | — | 11.26% | 1.34% |
| Q2 2026 | — | — | — | 11.74% | 1.30% |
| Q3 2026 | — | — | — | 11.72% | 1.79% |
Peoples State Bank of Colfax vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Colfax, 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 State Bank of Colfax profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10075) · FFIEC NIC profile (RSSD 33839)