Advertisement
Peoplefirst Bank
Joliet, IL · FDIC Certificate #58597 · Chartered 01/0
Total assets
$265.64M
Total deposits
$211.11M
Total equity
$31.51M
Net loans
$182.71M
Branches (offices)
2
Net income (YTD)
$1.47M
Rank: #2,638 of 4,213 U.S. banks by assets · #169 of 322 in Illinois. Assets changed 2.3% and deposits -0.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 9.51% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 11.86% |
| Tier 1 leverage ratio | 12.35% |
| Uninsured deposits (share of deposits) | 28.4% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 86.5% |
| Real estate loans (share of loans) | 96.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $175.41M | 96.0% | |
| Commercial & industrial | $9.80M | 5.4% | |
| Consumer / individual | $58.00K | 0.0% | |
| Construction & development | $12.73M | 7.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $213.74M | $177.18M | $1.45M | $23.92M |
| Jun 2023 | $253.81M | $198.84M | $1.33M | $25.35M |
| Jun 2024 | $267.77M | $227.69M | $1.28M | $27.59M |
| Jun 2025 | $259.79M | $212.66M | $1.82M | $29.87M |
| Jun 2026 | $265.64M | $211.11M | $1.47M | $31.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $211.11M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $211.11M.
Similar-sized banks
East Wisconsin Savings Bank ($265.76M) · Jim Thorpe Neighborhood Bank ($265.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement