The Peoples State Bank of Newton, Illinois: 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 Reserve coverage of non-performing loans: 24.65 percentage points lower than in Q1 2026, at 248.92%. Within Illinois, The Peoples State Bank of Newton, Illinois is 112th of 323 on return on assets, 1.44% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Peoples State Bank of Newton, Illinois sits 0.19 points higher, at 1.44% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.52% |
| Equity capital to assets | 11.84% |
| Tangible equity to tangible assets | 11.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.93% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 248.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 13.67% |
| Net interest margin | 3.85% |
| Efficiency ratio | 47.50% |
| Yield on earning assets | 5.48% |
| Cost of funds | 1.85% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.70% |
| Core deposits to total deposits | 83.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.44% |
| Securities to assets | 21.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.46% | 1.17% | 3.01% | 0.51% | 0.03% |
| Q4 2023 | 10.38% | 0.81% | 2.89% | 0.52% | 0.04% |
| Q1 2024 | 10.52% | 1.05% | 2.89% | 0.53% | 0.03% |
| Q2 2024 | 10.61% | 1.01% | 2.99% | 0.21% | 0.03% |
| Q3 2024 | 10.59% | 1.14% | 3.05% | 0.28% | 0.02% |
| Q4 2024 | 10.57% | 0.84% | 3.07% | 0.27% | 0.29% |
| Q1 2025 | 10.87% | 1.12% | 3.13% | 0.23% | -0.04% |
| Q2 2025 | 11.23% | 1.15% | 3.28% | 0.18% | 0.05% |
| Q3 2025 | 11.41% | 1.27% | 3.46% | 0.43% | -0.04% |
| Q4 2025 | 11.26% | 1.02% | 3.61% | 0.52% | 0.01% |
| Q1 2026 | 11.49% | 1.46% | 3.62% | 0.47% | 0.00% |
| Q2 2026 | 13.52% | 1.44% | 3.85% | 0.54% | 0.01% |
The Peoples State Bank of Newton, Illinois vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples State Bank of Newton, Illinois, 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 The Peoples State Bank of Newton, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11722) · FFIEC NIC profile (RSSD 326344)