BlastPoint's Banking Scorecard
Peru Federal Savings Bank
Micro
Specialty: Other
IL
FDIC cert 29384
Designations: ✓ Community bank
Peru, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Peru Federal Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 22.87% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$207.4M
+4.7% YoY
+1.9% QoQ
|
-$10.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$108.8M
+13.0% YoY
-0.2% QoQ
|
-$30.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$172.1M
+3.3% YoY
+2.0% QoQ
|
-$11.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.89%
+79.9% YoY
+11.1% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
2.89%
+8.5% YoY
+0.8% QoQ
|
-0.96% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
63.34%
-20.0% YoY
-3.0% QoQ
|
-4.39% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.23%
-35.9% YoY
+12.7% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
63.19%
+9.4% YoY
-2.1% QoQ
|
-11.33% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
11.55%
-25.3% YoY
+9.2% QoQ
|
-10.84% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-30.8% YoY
+10.4% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
31.72%
-3.9% YoY
+1.9% QoQ
|
+22.87% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.41%
+13.8% YoY
+56.0% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
31.72%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
97
97th pctile
Tier 1 Capital Ratio
Current: 31.72% · Tier avg: 8.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.19% · Tier avg: 74.53%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
57
57th pctile
Efficiency Ratio
Current: 63.34% · Tier avg: 67.73%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
53
53th pctile
Total Assets
Current: $207.4M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $172.1M · Tier avg: $183.7M
46
46th pctile
Total Loans
Current: $108.8M · Tier avg: $139.2M
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.55% · Tier avg: 22.39%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
Top Weaknesses
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.55% · Tier avg: 22.39%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
46
46th pctile
Total Loans
Current: $108.8M · Tier avg: $139.2M
52
52th pctile
Total Deposits
Current: $172.1M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $207.4M · Tier avg: $217.5M
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
57
57th pctile
Efficiency Ratio
Current: 63.34% · Tier avg: 67.73%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.19% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 31.72% · Tier avg: 8.85%