BlastPoint's Banking Scorecard
Peoples Bank of Kankakee County
Micro
Specialty: Commercial
IL
FDIC cert 18566
Designations: ✓ Community bank
Bourbonnais, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Peoples Bank of Kankakee County has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.86% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.38% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.0M
+7.0% YoY
+1.4% QoQ
|
+$144.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$158.1M
+0.9% YoY
-1.8% QoQ
|
+$19.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$308.0M
+5.3% YoY
+2.1% QoQ
|
+$124.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.62%
+305.5% YoY
+1.6% QoQ
|
-0.47% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
2.82%
+25.1% YoY
+5.0% QoQ
|
-1.03% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
56.01%
-32.8% YoY
+8.1% QoQ
|
-11.71% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.02%
+33.4% YoY
|
-0.62% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
51.34%
-4.1% YoY
-3.8% QoQ
|
-23.18% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.01%
-2.2% YoY
+0.2% QoQ
|
-14.38% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.01%
+25.8% YoY
|
-0.44% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
14.01%
+5.0% YoY
+1.0% QoQ
|
+5.16% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
2.42%
+115.7% YoY
+9.6% QoQ
|
+1.86% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.42%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.01%
(Tier avg: 22.39%, National avg: 21.79%)
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
98
98th pctile
Non-Interest Income / Assets
Current: 2.42% · Tier avg: 0.56%
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.34% · Tier avg: 74.53%
83
83th pctile
Total Deposits
Current: $308.0M · Tier avg: $183.7M
82
82th pctile
Total Assets
Current: $362.0M · Tier avg: $217.5M
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
78
78th pctile
Efficiency Ratio
Current: 56.01% · Tier avg: 67.73%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 8.85%
63
63th pctile
Total Loans
Current: $158.1M · Tier avg: $139.2M
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.01% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.01% · Tier avg: 22.39%
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
63
63th pctile
Total Loans
Current: $158.1M · Tier avg: $139.2M
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 8.85%
78
78th pctile
Efficiency Ratio
Current: 56.01% · Tier avg: 67.73%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
82
82th pctile
Total Assets
Current: $362.0M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $308.0M · Tier avg: $183.7M
86
86th pctile
Loan-to-Deposit Ratio
Current: 51.34% · Tier avg: 74.53%
98
98th pctile
Non-Interest Income / Assets
Current: 2.42% · Tier avg: 0.56%