$729M
+3.8%y/y
Percentile by value79th percentileby value
FDIC
ASSETPS
The Peoples State Bank of Newton, Illinois
Newton, IllinoisFDIC Cert #11722
STATEEstablished 18759 branches
Holding company: PEOPLES BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Peoples State Bank of Newton, Illinois reported $729M in total assets. Deposits declined 0.94% over the prior year.
Return on assets was 1.49%, compared with an asset-peer median of 1.22%. The leverage ratio was 11.49%.
- Why is Efficiency Ratio below asset peers?
- Why is Total Assets above asset peers?
- Why is Deposit Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$575M
−0.9%y/y
Percentile by value73rd percentileby value
FDIC
DEP$495M
+6.2%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET1.49%
+34 bpsy/y
Peer standing66th percentile
FDIC
NETINC + ROA43.83%
−537 bpsy/y
Peer standing91st percentile
FDIC
NONIX + NIM + NONII + EEFFR11.49%
+62 bpsy/y
Peer standing64th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $561M | $471M |
| Q3 2021 | $579M | $491M |
| Q4 2021 | $592M | $495M |
| Q1 2022 | $603M | $524M |
| Q2 2022 | $599M | $515M |
| Q3 2022 | $595M | $511M |
| Q4 2022 | $615M | $503M |
| Q1 2023 | $630M | $502M |
| Q2 2023 | $648M | $519M |
| Q3 2023 | $643M | $523M |
| Q4 2023 | $671M | $559M |
| Q1 2024 | $676M | $570M |
| Q2 2024 | $683M | $575M |
| Q3 2024 | $691M | $579M |
| Q4 2024 | $696M | $579M |
| Q1 2025 | $702M | $580M |
| Q2 2025 | $694M | $575M |
| Q3 2025 | $702M | $580M |
| Q4 2025 | $720M | $563M |
| Q1 2026 | $729M | $575M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $93.9M |
| Investor CRE | $0 |
| Multifamily | $1.65M |
| Construction | $5.72M |
| 1–4 family | $81.7M |
| C&I | $98.1M |
| Agriculture | $195M |
| Other | $25.7M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.49%66th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE15.54%70th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.68%40th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR43.83%91st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−0.94%16th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+6.24%53rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.81%33rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ11.49%64th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.68%36th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.49%73rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.32%Median 1.11%90th 1.83%Observations 329
ROE
FDIC
NETINC + ROE15.54%78th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.20%Median 10.57%90th 18.47%Observations 329
NIM
FDIC
NIM + NIMY3.68%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.86%Median 3.62%90th 4.45%Observations 330
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR43.83%92nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.13%Median 63.88%90th 87.24%Observations 329
Deposits YoY
FDIC
DEP−0.94%24th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.61%Median +3.07%90th +13.90%Observations 328
Loans YoY
FDIC
LNLSNET+6.24%62nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.76%Median +4.48%90th +16.94%Observations 326
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.81%41st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.57%90th 2.85%Observations 326
Leverage
FDIC
RBC1AAJ11.49%59th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.64%Median 10.84%90th 15.77%Observations 330
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.68%24th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.28%Median 2.17%90th 3.18%Observations 326
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 20%Median 126%90th 292%Observations 208
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.49%72nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.35%Median 1.09%90th 1.84%Observations 104
ROE
FDIC
NETINC + ROE15.54%76th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.58%Median 11.29%90th 20.07%Observations 104
NIM
FDIC
NIM + NIMY3.68%64th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.75%Median 3.53%90th 4.34%Observations 104
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR43.83%92nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.69%Median 63.67%90th 81.23%Observations 104
Deposits YoY
FDIC
DEP−0.94%23rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.87%Median +2.76%90th +9.10%Observations 104
Loans YoY
FDIC
LNLSNET+6.24%62nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.52%Median +4.75%90th +14.12%Observations 104
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.81%43rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.58%90th 2.60%Observations 104
Leverage
FDIC
RBC1AAJ11.49%66th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.66%Median 10.41%90th 14.86%Observations 104
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.68%25th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.64%Median 2.25%90th 3.13%Observations 104
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 145%90th 350%Observations 65
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 9 branches
- Headquarters
- Newton, IL
FDIC
OFFDOMOpen the Illinois dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data