Peoples Bank of Kankakee County: how it compares with its peers
Against 138 IL banks with half to twice its assets, Peoples Bank of Kankakee County's strongest measure in Q2 2026 is return on assets (0.94% vs. a 1.18% peer median). Its weakest relative measure is efficiency ratio (72.97% vs. 62.58%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.94% | 1.18% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.38% | 3.70% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.97% | 62.58% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $7.1M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.26% | 75.94% | Context |
What it means for lending operations
Its efficiency ratio of 72.97% is above the 62.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Fisher National Bank Fisher, IL · $376M
- Bank of O'Fallon O'Fallon, IL · $378M
- Municipal Trust and Savings Bank Bourbonnais, IL · $382M
- Byron Bank Byron, IL · $384M
- Shelby County State Bank Shelbyville, IL · $363M
- First National Bank & Trust Company Clinton, IL · $388M
Questions about Peoples Bank of Kankakee County
How big is Peoples Bank of Kankakee County?
Peoples Bank of Kankakee County, established in 1962, is headquartered in Bourbonnais, IL. It reported $376M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Peoples Bank of Kankakee County's return on assets?
0.94% annualized in Q2 2026, against a 1.18% median for 138 IL banks with half to twice its assets, ahead of 33% of them.
What is Peoples Bank of Kankakee County's efficiency ratio?
72.97% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 62.58%, and lower is better.
Is Peoples Bank of Kankakee County growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits grew 8.4%.
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.