Peru Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Peru Federal Savings Bank is an FDIC-insured savings institution headquartered in Peru, IL, established in 1887 (FDIC certificate 29384), and it is supervised by the OCC. At Q2 2026 it reported total assets of $208.5M, up 0.1% from Q2 2025, the 186th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 31.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29384
- Headquarters
- Peru, IL
- Established
- 1887
- Total assets, Q2 2026
- $208.5M
- Assets vs Q2 2025
- +0.1%
- CET1 ratio, Q2 2026
- 31.90%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 271973128
- Latest call report
- Q2 2026, FFIEC 051 · Peru Federal Savings Bank call report
- Holding company
- PFS BANCORP, INC.
- Asset rank in state
- 186th of 319 in Illinois
Peru Federal Savings Bank carries far more capital than most banks of its size. Its balance sheet stood at $208 million at June 30, 2026; it is based in Peru, Illinois. It holds common equity equal to 31.90% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.17 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Its $12 million non-owner-occupied commercial real estate book is now fully current, after 2.27% of it was past due or on nonaccrual a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 5.7% and deposits fell 1.3%. Profitability lags: it returns 5.4% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Peru Federal Savings Bank reported a CET1 capital ratio of 31.90%, a return on assets of 0.84%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 0.93%. The figures come from its call report filed with the FFIEC.
Peru Federal Savings Bank ranks as the 186th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.3% to $208.5M, loans rose 2.2% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 62.3% of total loans, followed by owner-occupied commercial real estate loans at 13.1%. The FDIC Summary of Deposits lists 2 offices for it, in Peru, IL. Judged on its Q2 2026 call report, Peru Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1730 4th St, Peru, IL 61354
- County
- Lasalle
- Metro Area
- Ottawa, IL
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $172.8M
- Allowance for credit losses
- $860K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $209.5M
- Average total loans
- $110.1M
- Average interest-bearing deposits
- $158.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29384
- Fed RSSD
- 305077
- SEC CIK
- 1967656 → filed by PFS BANCORP, INC.
- Website
- www.perufederalsavings.com →
- Parent Holding Company
- PFS BANCORP, INC. (RSSD 5837489) · PFSB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Eric J. Heagy | CEO | President/CEO/CFO/Treasurer |
| Dale R. Tieman | COO | EVP/COO/Corporate Secretary |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Peru Federal Savings Bank's total assets ran between $193.9M (Q4 2023) and $211.1M (Q1 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
$208.5M total assets against $208.4M; $175.8M total liabilities against $178.2M.
$111.4M net loans and leases against $105.4M; $172.8M total deposits against $175.1M.
$64.1M securities against $72.2M; $23.0M cash and balances due against $20.6M.
$2.3M total interest income against $2.2M; $772K total interest expense against $813K.
$1.6M net interest income against $1.4M.
$193K total noninterest income against $194K; $1.1M total noninterest expense against $994K.
$25K provision for credit losses against $57K.
$439K net income against $466K.
0.84% return on assets against 0.90%; 3.17% net interest margin against 2.81%.
31.90% CET1 capital ratio against 31.18%; 16.43% tier 1 leverage ratio against 15.58%.
Inside the full Peru Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeru Federal Savings Bank rankings
Its closest position to the top of a national ranking is 61 of 2,134, for CET1 ratio; its furthest is 2,824 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q4 2024) to 1.15% (Q4 2025) and its net interest margin ran from 2.67% (Q3 2024) to 3.17% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.90% | 0.84% | 0.28% | 0.93% | 3.17% |
| Q1 2026 | 32.63% | 0.70% | 0.29% | 0.96% | 2.99% |
| Q4 2025 | 31.72% | 1.15% | 0.23% | 0.76% | 2.99% |
| Q3 2025 | 31.12% | 0.90% | 0.20% | 0.70% | 3.02% |
| Q2 2025 | 31.18% | 0.90% | 0.21% | 0.71% | 2.81% |
| Q1 2025 | 32.20% | 0.59% | 0.36% | 1.18% | 2.71% |
| Q4 2024 | 32.99% | 0.26% | 0.36% | 1.20% | 2.72% |
| Q3 2024 | 33.20% | 0.55% | 0.44% | 1.38% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Peru Federal Savings Bank (main office) | Peru , IL | 61354 | $137.4M |
| 914 Shooting Park Rd Branch | Peru , IL | 61354 | $35.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- December 8, 2004, OCC (former OTS): Civil Money Penalty: Peru Federal Savings Bank
- Period: Most recent institution action December 8, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 229 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $450K approved, $450K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Peru Federal Savings Bank
What are Peru Federal Savings Bank's total assets?
As of the Q2 2026 filing, Peru Federal Savings Bank reported total assets of $208.5 million in its FFIEC call report.
Where is Peru Federal Savings Bank headquartered?
It is headquartered in Peru, IL, United States.
When was Peru Federal Savings Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Peru Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peru Federal Savings Bank?
Peru Federal Savings Bank's primary federal regulator is the OCC.
What is Peru Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peru Federal Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peru Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 0.93% 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.
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