TellerScore

Peoples Bank of Macon is a state-chartered bank headquartered in Macon, Illinois, in business for about 62 years. At the end of Q2 2026 it reported $22.7M in total assets and $19.5M in deposits, with 1 office.

Based on its Q2 2026 filing, Peoples Bank of Macon scores 82/100, which we describe as strong. That is higher than 70% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 59th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (32/100; 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.57%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 32.7% · 9.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).

TellerScore
798183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202479
Q4 202479
Q1 202582
Q2 202583
Q3 202581
Q4 202581
Q1 202680
Q2 202682
Tier 1 leverage ratio
5.00%9.28%13.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.05%
Q3 202411.57%
Q4 202411.24%
Q1 202512.73%
Q2 202513.33%
Q3 202512.40%
Q4 202512.37%
Q1 202613.11%
Q2 202613.57%
Noncurrent loans
0.00%0.07%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.15%
Q2 20260.00%
Return on assets
0.30%0.56%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.83%
Q4 20240.83%
Q1 20250.65%
Q2 20250.54%
Q3 20250.57%
Q4 20250.55%
Q1 20260.32%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$22.7M13.57%0.00%0.30%32.7%
Q1 202680$23.6M13.11%0.15%0.32%29.0%
Q4 202581$24.3M12.37%0.00%0.55%29.1%
Q3 202581$24.7M12.40%0.00%0.57%29.7%
Q2 202583$23.5M13.33%0.00%0.54%32.5%
Q1 202582$23.8M12.73%0.00%0.65%29.9%
Q4 202479$24.5M11.24%0.00%0.83%28.2%
Q3 202479$27.8M11.57%0.00%0.83%26.5%
Q2 202481$25.8M12.05%0.00%0.78%27.7%

546 peers · Under $100 million in assets

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 ratio13.57%
58th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.30%
21st
Net interest margin2.89%
13th
Efficiency ratio87.8%
21st
Loans to deposits32.7%
89th
Uninsured deposits9.2%
80th
Loan-loss reserves1.18%
46th
Texas ratio0.0%
85th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Sainte Marie State BankBank Sainte Marie, IL76 out of 100, Strong$23.0M15.8%0.31%vs
Chesterfield State BankBank Chesterfield, IL43 out of 100, Below average$21.7M8.2%11.20%vs
Farmers State Bank of MedoraBank Medora, IL69 out of 100, Moderate$20.4M15.5%1.70%vs
The First National Bank of AssumptionBank Assumption, IL70 out of 100, Strong$25.2M11.1%1.24%vs
Campus State BankBank Campus, IL87 out of 100, Very strong$26.2M12.3%0.00%vs
Hartsburg State BankBank Hartsburg, IL73 out of 100, Strong$18.1M11.5%0.20%vs

Deposit insurance

Is my money safe at Peoples Bank of Macon?

Yes. Peoples Bank of Macon is an FDIC-insured institution (FDIC certificate #19105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.2% of deposits ($1.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.57%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Peoples Bank of Macon lists 1 office in 1 city. Most locations:

  • Macon, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Peoples Bank of Macon
Type
State-chartered bank
FDIC certificate #
19105
RSSD ID
418436
Primary regulator
FDIC
Established
May 11, 1964
Headquarters
191 N Front St, Macon, IL 62544
Employees
4

Quick answers

Peoples Bank of Macon: common questions

Is Peoples Bank of Macon FDIC insured?

Yes. Peoples Bank of Macon is an FDIC-insured institution (FDIC certificate #19105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Bank of Macon's TellerScore?

82 out of 100 (Strong), 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 Macon ever failed?

There is no failure record for FDIC certificate #19105 in the FDIC failed bank list.

How many branches does Peoples Bank of Macon have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Macon

InstitutionScoreAssetsCapitalProblem loansCompare
I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL94 out of 100, Very strong$5.0M13.5%0.00%vs
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs
First National Bank in TaylorvilleBank Taylorville, IL92 out of 100, Very strong$200.1M14.4%0.00%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs