BlastPoint's Banking Scorecard
Peoples Bank & Trust
Community
Specialty: Agricultural
IL
FDIC cert 17320
Pana, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Peoples Bank & Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 60% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$618.1M
+4.3% YoY
-1.1% QoQ
|
-$773.4M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$415.8M
+1.9% YoY
+3.9% QoQ
|
-$559.7M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$501.1M
+4.1% YoY
-4.7% QoQ
|
-$663.5M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.59%
+11.5% YoY
-11.1% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.88%
+3.4% YoY
+0.1% QoQ
|
+1.22% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
47.49%
+2.6% YoY
+5.7% QoQ
|
-15.14% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.18%
+111.3% YoY
+0.4% QoQ
|
+0.55% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
82.98%
-2.1% YoY
+9.0% QoQ
|
-0.08% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
27.72%
-2.6% YoY
+5.4% QoQ
|
+6.68% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.79%
+97.6% YoY
+5.6% QoQ
|
+0.29% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.48%
-11.5% YoY
-6.3% QoQ
|
+3.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.72%
-8.9% YoY
+26.1% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#91 of 150 · Top 60% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
27.72%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.88%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (1)
Credit Risk Growth
risk
#250 of 642 · Bottom 39% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.66%
89
89th pctile
Efficiency Ratio
Current: 47.49% · Tier avg: 62.63%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.72% · Tier avg: 21.05%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.48% · Tier avg: 10.24%
55
55th pctile
Loan-to-Deposit Ratio
Current: 82.98% · Tier avg: 83.06%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.63%
17
17th pctile
Total Assets
Current: $618.1M · Tier avg: $1.4B
17
17th pctile
Total Loans
Current: $415.8M · Tier avg: $975.5M
13
13th pctile
Total Deposits
Current: $501.1M · Tier avg: $1.2B
Top Weaknesses
13
13th pctile
Total Deposits
Current: $501.1M · Tier avg: $1.2B
17
17th pctile
Total Loans
Current: $415.8M · Tier avg: $975.5M
17
17th pctile
Total Assets
Current: $618.1M · Tier avg: $1.4B
21
21th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.63%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
55
55th pctile
Loan-to-Deposit Ratio
Current: 82.98% · Tier avg: 83.06%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.48% · Tier avg: 10.24%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.72% · Tier avg: 21.05%
89
89th pctile
Efficiency Ratio
Current: 47.49% · Tier avg: 62.63%
94
94th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.66%