BlastPoint's Banking Scorecard
PeopleFirst Bank
Micro
Specialty: Commercial
IL
FDIC cert 58597
Designations: ✓ Community bank
Joliet, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
PeopleFirst Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.24% 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 ? |
$264.3M
-0.2% YoY
+0.7% QoQ
|
+$46.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$173.1M
+2.1% YoY
-1.9% QoQ
|
+$33.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$216.4M
-5.5% YoY
+1.3% QoQ
|
+$32.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.01%
+6.3% YoY
-24.4% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.79%
+24.1% YoY
+2.4% QoQ
|
-0.06% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
57.59%
-6.1% YoY
-11.7% QoQ
|
-10.14% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.20%
-86.1% YoY
-53.1% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
79.98%
+8.0% YoY
-3.1% QoQ
|
+5.45% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
32.45%
+5.5% YoY
-11.1% QoQ
|
+10.06% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.13%
-85.8% YoY
-54.4% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
16.40%
+6.6% YoY
+1.3% QoQ
|
+7.54% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
1.80%
-12.2% YoY
+30.2% QoQ
|
+1.24% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.80%
(Tier avg: 0.56%, National avg: 0.65%)
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
Non-Interest Income / Assets
Current: 1.80% · Tier avg: 0.56%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.45% · Tier avg: 22.39%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.40% · Tier avg: 8.85%
74
74th pctile
Efficiency Ratio
Current: 57.59% · Tier avg: 67.73%
67
67th pctile
Total Loans
Current: $173.1M · Tier avg: $139.2M
65
65th pctile
Total Assets
Current: $264.3M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $216.4M · Tier avg: $183.7M
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
58
58th pctile
Loan-to-Deposit Ratio
Current: 79.98% · Tier avg: 74.53%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
Top Weaknesses
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
58
58th pctile
Loan-to-Deposit Ratio
Current: 79.98% · Tier avg: 74.53%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
64
64th pctile
Total Deposits
Current: $216.4M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $264.3M · Tier avg: $217.5M
67
67th pctile
Total Loans
Current: $173.1M · Tier avg: $139.2M
74
74th pctile
Efficiency Ratio
Current: 57.59% · Tier avg: 67.73%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.40% · Tier avg: 8.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.45% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 1.80% · Tier avg: 0.56%