The Peoples State Bank of Newton, Illinois: how it compares with its peers
Against 85 IL banks with half to twice its assets, The Peoples State Bank of Newton, Illinois's strongest measure in Q2 2026 is efficiency ratio (46.07% vs. a 62.41% peer median). Its weakest relative measure is assets per employee ($7.7M vs. $7.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 1.13% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.64% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.07% | 62.41% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $7.6M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.53% | 77.68% | Context |
What it means for lending operations
Its efficiency ratio of 46.07% is better than the 62.41% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Midwest Bank Monmouth, IL · $736M
- First Neighbor Bank, National Association Toledo, IL · $736M
- Longview Bank Ogden, IL · $732M
- The Bradford National Bank of Greenville Greenville, IL · $723M
- Albank National Association Chicago, IL · $722M
- Hickory Point Bank and Trust Decatur, IL · $718M
Questions about The Peoples State Bank of Newton, Illinois
How big is The Peoples State Bank of Newton, Illinois?
The Peoples State Bank of Newton, Illinois, established in 1875, is headquartered in Newton, IL. It reported $737M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The Peoples State Bank of Newton, Illinois's return on assets?
1.48% annualized in Q2 2026, against a 1.13% median for 85 IL banks with half to twice its assets, ahead of 72% of them.
What is The Peoples State Bank of Newton, Illinois's efficiency ratio?
46.07% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 62.41%, and lower is better.
Is The Peoples State Bank of Newton, Illinois growing its loans?
Net loans grew 3.8% over the year to Q2 2026, while deposits grew 0.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.