TellerScore

Headquartered in Bourbonnais, Illinois, Peoples Bank of Kankakee County is a state-chartered bank with $375.6M in total assets and $328.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1962.

Based on its Q2 2026 filing, Peoples Bank of Kankakee County scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 215th. Its strongest component is funding & liquidity (100/100; 51% loans-to-deposits, 11% uninsured), and its lowest is capital cushion (27/100; 7.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Tier 1 leverage ratio: 7.67%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings58/100
Return on assets (annualized): 0.94%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 51.3% · 11.2% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (76 → 66), mostly because the earnings component weakened by 27 points.

TellerScore
637281Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202463
Q1 202581
Q2 202576
Q3 202568
Q4 202567
Q1 202670
Q2 202666
Tier 1 leverage ratio
5.00%6.99%8.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.87%
Q3 20248.02%
Q4 20247.83%
Q1 20258.97%
Q2 20258.31%
Q3 20257.88%
Q4 20257.82%
Q1 20267.79%
Q2 20267.67%
Noncurrent loans
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.02%
Q4 20240.02%
Q1 20250.13%
Q2 20250.12%
Q3 20250.00%
Q4 20250.02%
Q1 20260.02%
Q2 20260.32%
Return on assets
0.09%2.95%5.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.09%
Q3 20240.17%
Q4 20240.15%
Q1 20255.81%
Q2 20251.63%
Q3 20250.61%
Q4 20250.62%
Q1 20260.92%
Q2 20260.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$375.6M7.67%0.32%0.94%51.3%
Q1 202670$372.2M7.79%0.02%0.92%50.2%
Q4 202567$362.0M7.82%0.02%0.62%51.3%
Q3 202568$357.2M7.88%0.00%0.61%53.4%
Q2 202576$348.2M8.31%0.12%1.63%53.0%
Q1 202581$349.5M8.97%0.13%5.81%50.5%
Q4 202463$338.3M7.83%0.02%0.15%53.5%
Q3 202464$338.9M8.02%0.02%0.17%52.7%
Q2 202464$326.5M7.87%0.00%0.09%52.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.67%
1st
Total risk-based capital12.93%
56th
Problem loans0.32%
56th
Net charge-offs0.00%
68th
Return on assets0.94%
30th
Net interest margin3.38%
23rd
Efficiency ratio73.0%
24th
Loans to deposits51.3%
91st
Uninsured deposits11.2%
91st
Loan-loss reserves1.33%
66th
Texas ratio2.3%
55th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The Fisher National BankBank Fisher, IL59 out of 100, Moderate$375.5M9.0%1.31%vs
Bank of O'FallonBank O'Fallon, IL81 out of 100, Strong$377.5M13.8%0.69%vs
Municipal Trust and Savings BankBank Bourbonnais, IL95 out of 100, Very strong$382.2M15.6%0.04%vs
Byron BankBank Byron, IL69 out of 100, Moderate$384.4M10.2%1.28%vs
Shelby County State BankBank Shelbyville, IL76 out of 100, Strong$363.2M10.4%0.31%vs
First National Bank & Trust CompanyBank Clinton, IL53 out of 100, Below average$388.1M7.8%0.88%vs

Deposit insurance

Is my money safe at Peoples Bank of Kankakee County?

Yes. Peoples Bank of Kankakee County is an FDIC-insured institution (FDIC certificate #18566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.2% of deposits ($36.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.67%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.93% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Peoples Bank of Kankakee County lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples Bank of Kankakee County reported 171 home-loan applications under HMDA (LEI 549300WXIUJ8ZTV7X921): 113 originated ($20,635,000 total), 17 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Peoples Bank of Kankakee County
Former names
Peoples Bank Marycrest
Type
State-chartered bank
FDIC certificate #
18566
RSSD ID
821036
Primary regulator
FDIC
Holding company
Romy Hammes Inc
Established
June 20, 1962
Headquarters
315 Main St Nw, Bourbonnais, IL 60914
Employees
63

Quick answers

Peoples Bank of Kankakee County: common questions

Is Peoples Bank of Kankakee County FDIC insured?

Yes. Peoples Bank of Kankakee County is an FDIC-insured institution (FDIC certificate #18566). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Bank of Kankakee County's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Peoples Bank of Kankakee County ever failed?

There is no failure record for FDIC certificate #18566 in the FDIC failed bank list.

How many branches does Peoples Bank of Kankakee County have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bourbonnais

InstitutionScoreAssetsCapitalProblem loansCompare
The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL96 out of 100, Very strong$337.1M16.1%0.03%vs
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs
Municipal Trust and Savings BankBank Bourbonnais, IL95 out of 100, Very strong$382.2M15.6%0.04%vs
First Community Bank and TrustBank Beecher, IL91 out of 100, Very strong$201.7M13.5%0.00%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs
Fieldstone Credit UnionCredit union Bradley, IL84 out of 100, Strong$61.7M14.0%0.69%vs