The Peoples State Bank of Newton, Illinois
Also written as PSB of Newton Illinois
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Data as of · sourced from FFIEC call reports. How we update
The Peoples State Bank of Newton, Illinois is an FDIC-insured commercial bank headquartered in Newton, IL, supervised by the FDIC, with $736.7M in total assets at Q2 2026, up 6.1% from Q2 2025, the 67th largest of 319 banks headquartered in Illinois. It was established in 1875 and holds FDIC certificate 11722. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.52% 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
- 11722
- Headquarters
- Newton, IL
- Established
- 1875
- Total assets, Q2 2026
- $736.7M
- Assets vs Q2 2025
- +6.1%
- Tier 1 leverage ratio, Q2 2026
- 13.52%
- Domestic offices
- 9 · The Peoples State Bank of Newton, Illinois branches FDIC institution directory, current count
- Routing number
- 081206328
- Safety and soundness
- Is The Peoples State Bank of Newton, Illinois safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples State Bank of Newton, Illinois call report
- Holding company
- PEOPLES BANCORP, INC.
- Asset rank in state
- 67th of 319 in Illinois
Problem loans are rising at The Peoples State Bank of Newton, Illinois. Based in Newton, Illinois, it had $737 million in assets at June 30, 2026, up 6.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.54% of loans from 0.18% a year earlier. It holds commercial real estate loans equal to only 7% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $2.7 million, 31% above the same quarter a year earlier. The commercial and industrial book ($98 million) is worsening: 2.71% of it is past due or on nonaccrual, up from 0.82% a year earlier.
As of June 30, 2026, The Peoples State Bank of Newton, Illinois reported a return on assets of 1.44%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 2.93%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The Peoples State Bank of Newton, Illinois is the 67th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $736.7M, loans were flat and deposits rose 0.5%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 25.5% of total loans, followed by commercial and industrial loans at 19.6%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in IL; its Newton 2 offices book 54% of its branch deposits. Judged on its Q2 2026 call report, The Peoples State Bank of Newton, Illinois meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 W Washington St, Newton, IL 62448
- County
- Jasper
- 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1875
- Former names
- The Peoples State Bank of Newton, Illinois (2016)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $577.9M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $746.0M
- Average total loans
- $496.6M
- Average interest-bearing deposits
- $447.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11722
- Fed RSSD
- 326344
- SEC CIK
- 2130086 → filed by PEOPLES BANCORP, INC.
- Website
- www.psbnewton.com →
- Parent Holding Company
- PEOPLES BANCORP, INC. (RSSD 5580712)
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, The Peoples State Bank of Newton, Illinois reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Peoples State Bank of Newton, Illinois's total assets ranged from $643.4M (Q3 2023) to $736.7M (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
$736.7M total assets against $694.1M; $649.5M total liabilities against $631.6M.
$494.3M net loans and leases against $476.3M; $577.9M total deposits against $574.8M.
$156.3M securities against $162.6M; $51.2M cash and balances due against $20.7M.
$9.7M total interest income against $8.8M; $2.9M total interest expense against $3.3M.
$6.8M net interest income against $5.5M.
$868K total noninterest income against $834K; $3.7M total noninterest expense against $3.4M.
$300K provision for credit losses against $150K.
$2.7M net income against $2.1M.
1.44% return on assets against 1.15%; 3.85% net interest margin against 3.28%.
13.52% tier 1 leverage ratio against 11.23%.
Inside the full The Peoples State Bank of Newton, Illinois terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples State Bank of Newton, Illinois rankings
Its closest position to the top of a national ranking is 582 of 3,606, for efficiency ratio; its furthest is 1,879 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q4 2024) to 1.46% (Q1 2026) and its net interest margin ran from 3.05% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.52% | 1.44% | 0.54% | 2.93% | 3.85% |
| Q1 2026 | 11.49% | 1.46% | 0.81% | 5.33% | 3.62% |
| Q4 2025 | 11.26% | 1.02% | 0.37% | 2.58% | 3.61% |
| Q3 2025 | 11.41% | 1.27% | 0.43% | 2.89% | 3.46% |
| Q2 2025 | 11.23% | 1.15% | 0.18% | 1.71% | 3.28% |
| Q1 2025 | 10.87% | 1.12% | 0.23% | 2.02% | 3.13% |
| Q4 2024 | 10.57% | 0.84% | 0.25% | 2.24% | 3.07% |
| Q3 2024 | 10.59% | 1.14% | 0.29% | 2.14% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| The Peoples State Bank of Newton, Illinois | Newton , IL | 62448 | $312.0M |
| Lawenceville Branch | Lawrenceville , IL | 62439 | $53.2M |
| Sumner Branch | Sumner , IL | 62466 | $50.6M |
| Vandalia Facility | Vandalia , IL | 62471 | $48.1M |
| Salem Branch | Salem , IL | 62881 | $43.0M |
| Greenville Branch | Greenville , IL | 62246 | $35.3M |
| Bridgeport Branch | Bridgeport , IL | 62417 | $28.8M |
| St. Francisville Branch | St. Francisville , IL | 62460 | $6.9M |
| Newton Drive-In Facility Branch | Newton , IL | 62448 | $0 |
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 |
|---|---|---|---|
| November 9, 2002 | Structure Change | Acquired another institution Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 18, 2001 | Structure Change | Acquired First National Bank in Newton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 96 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 111 applications, 94 loans originated, $15.0M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 The Peoples State Bank of Newton, Illinois
What are The Peoples State Bank of Newton, Illinois's total assets?
As of the Q2 2026 filing, The Peoples State Bank of Newton, Illinois reported total assets of $736.7 million in its FFIEC call report.
Where is The Peoples State Bank of Newton, Illinois headquartered?
It is headquartered in Newton, IL, United States.
When was The Peoples State Bank of Newton, Illinois founded?
It was established in 1875, per the FDIC institution directory.
Is The Peoples State Bank of Newton, Illinois FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples State Bank of Newton, Illinois?
The Peoples State Bank of Newton, Illinois's primary federal regulator is the FDIC.
How many branches does The Peoples State Bank of Newton, Illinois operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples State Bank of Newton, Illinois's Texas Ratio?
Its Texas Ratio is 2.93% 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 The Peoples State Bank of Newton, Illinois previously called?
The charter now named The Peoples State Bank of Newton, Illinois has also operated as The Peoples State Bank of Newton, Illinois (2016), per FDIC structure-change records.
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