Peoples Bank of Macon: how it compares with its peers
Against 21 IL banks with half to twice its assets, Peoples Bank of Macon's strongest measure in Q2 2026 is assets per employee ($5.7M vs. a $5.4M peer median). Its weakest relative measure is net interest margin (2.89% vs. 3.89%).
| Measure | Peoples Bank of Macon | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.30% | 0.93% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.89% | 3.89% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.80% | 79.80% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $5.4M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 32.72% | 53.90% | Context |
What it means for lending operations
Its efficiency ratio of 87.80% is above the 79.80% 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
- Sainte Marie State Bank Sainte Marie, IL · $23M
- Chesterfield State Bank Chesterfield, IL · $22M
- Farmers State Bank of Medora Medora, IL · $20M
- The First National Bank of Assumption Assumption, IL · $25M
- Campus State Bank Campus, IL · $26M
- Hartsburg State Bank Hartsburg, IL · $18M
Questions about Peoples Bank of Macon
How big is Peoples Bank of Macon?
Peoples Bank of Macon, established in 1964, is headquartered in Macon, IL. It reported $23M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Peoples Bank of Macon's return on assets?
0.30% annualized in Q2 2026, against a 0.93% median for 21 IL banks with half to twice its assets, ahead of 33% of them.
What is Peoples Bank of Macon's efficiency ratio?
87.80% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 79.80%, and lower is better.
Is Peoples Bank of Macon growing its loans?
Net loans shrank 2.0% over the year to Q2 2026, while deposits shrank 2.7%.
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.