Peru Federal Savings Bank: 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.
Reserve coverage of non-performing loans climbed 71.54 percentage points in Q2 2026, from 205.88% to 277.42%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Peru Federal Savings Bank is 229th of 323 on return on assets, 0.84% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Peru Federal Savings Bank sits 0.42 points lower, at 0.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.90% |
| Tier 1 risk-based capital ratio | 31.90% |
| Total risk-based capital ratio | 32.74% |
| Tier 1 leverage ratio | 16.43% |
| Equity capital to assets | 15.66% |
| Tangible equity to tangible assets | 15.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.93% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 277.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 5.41% |
| Net interest margin | 3.17% |
| Efficiency ratio | 63.70% |
| Yield on earning assets | 4.71% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.98% |
| Core deposits to total deposits | 91.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.88% |
| Securities to assets | 30.74% |
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 | 26.22% | 26.22% | 26.95% | 13.30% | 0.65% |
| Q4 2023 | 33.37% | 33.37% | 34.13% | 15.71% | 0.67% |
| Q1 2024 | 33.64% | 33.64% | 34.43% | 15.85% | 0.58% |
| Q2 2024 | 33.71% | 33.71% | 34.49% | 15.72% | 0.60% |
| Q3 2024 | 33.20% | 33.20% | 34.12% | 16.02% | 0.55% |
| Q4 2024 | 32.99% | 32.99% | 33.74% | 15.89% | 0.26% |
| Q1 2025 | 32.20% | 32.20% | 32.98% | 15.74% | 0.59% |
| Q2 2025 | 31.18% | 31.18% | 31.98% | 15.58% | 0.90% |
| Q3 2025 | 31.12% | 31.12% | 31.94% | 16.10% | 0.90% |
| Q4 2025 | 31.72% | 31.72% | 32.53% | 16.10% | 1.15% |
| Q1 2026 | 32.63% | 32.63% | 33.47% | 16.08% | 0.70% |
| Q2 2026 | 31.90% | 31.90% | 32.74% | 16.43% | 0.84% |
Peru Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peru Federal Savings Bank, 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 Peru Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29384) · FFIEC NIC profile (RSSD 305077)