Peru Federal Savings Bank: how it compares with its peers
Against 143 IL banks with half to twice its assets, Peru Federal Savings Bank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (3.06% vs. 3.73%).
| Measure | Peru Federal Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 1.19% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.06% | 3.73% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.64% | 64.80% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $6.5M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.48% | 74.31% | Context |
What it means for lending operations
Its efficiency ratio of 64.64% is better than the 64.80% 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
- First FSB of Mascoutah Mascoutah, IL · $207M
- Spring Valley City Bank Spring Valley, IL · $207M
- The Farmers State Bank and Trust Company Jacksonville, IL · $210M
- FWBank Chicago, IL · $207M
- Murphy-Wall State Bank and Trust Company Pinckneyville, IL · $206M
- Scott State Bank Bethany, IL · $204M
Questions about Peru Federal Savings Bank
How big is Peru Federal Savings Bank?
Peru Federal Savings Bank, established in 1887, is headquartered in Peru, IL. It reported $208M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Peru Federal Savings Bank's return on assets?
0.77% annualized in Q2 2026, against a 1.19% median for 143 IL banks with half to twice its assets, ahead of 23% of them.
What is Peru Federal Savings Bank's efficiency ratio?
64.64% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 64.80%, and lower is better.
Is Peru Federal Savings Bank growing its loans?
Net loans grew 5.7% over the year to Q2 2026, while deposits shrank 1.3%.
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.