The Peoples State Bank of Newton, Illinois is a state-chartered bank headquartered in Newton, Illinois, in business for about 151 years. At the end of Q2 2026 it reported $736.7M in total assets and $577.9M in deposits, with 9 offices.
The Peoples State Bank of Newton, Illinois has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 61st. Problem-loan coverage contributes the most (94/100, 2.9%); funding & liquidity contributes the least (64/100, 86% loans-to-deposits, 25% uninsured).
TellerScore · Q2 2026
Scorecard
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 rose 5 points (76 → 81), mostly because the capital cushion component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 72 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 74 |
| Q4 2025 | 73 |
| Q1 2026 | 72 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.61% |
| Q3 2024 | 10.59% |
| Q4 2024 | 10.57% |
| Q1 2025 | 10.87% |
| Q2 2025 | 11.23% |
| Q3 2025 | 11.41% |
| Q4 2025 | 11.26% |
| Q1 2026 | 11.49% |
| Q2 2026 | 13.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.25% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.05% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.49% |
| Q2 2026 | 1.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $736.7M | 13.52% | 0.54% | 1.48% | 85.5% |
| Q1 2026 | 72 | $728.5M | 11.49% | 0.81% | 1.49% | 86.1% |
| Q4 2025 | 73 | $719.7M | 11.26% | 0.37% | 1.17% | 89.5% |
| Q3 2025 | 74 | $702.1M | 11.41% | 0.43% | 1.22% | 82.3% |
| Q2 2025 | 76 | $694.1M | 11.23% | 0.18% | 1.17% | 82.9% |
| Q1 2025 | 74 | $701.7M | 10.87% | 0.23% | 1.15% | 80.2% |
| Q4 2024 | 72 | $695.5M | 10.57% | 0.25% | 1.05% | 81.1% |
| Q3 2024 | 72 | $690.8M | 10.59% | 0.29% | 1.10% | 79.3% |
| Q2 2024 | 72 | $683.0M | 10.61% | 0.30% | 1.06% | 78.9% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midwest BankBank Monmouth, IL | 66 out of 100, Moderate | $736.4M | 8.8% | 0.32% | vs |
| First Neighbor Bank, National AssociationBank Toledo, IL | 55 out of 100, Moderate | $736.0M | 10.6% | 2.00% | vs |
| Longview BankBank Ogden, IL | 62 out of 100, Moderate | $732.1M | 8.4% | 0.80% | vs |
| The Bradford National Bank of GreenvilleBank Greenville, IL | 58 out of 100, Moderate | $722.8M | 8.9% | 1.92% | vs |
| Albank National AssociationBank Chicago, IL | 70 out of 100, Strong | $721.8M | 17.0% | 1.13% | vs |
| Hickory Point Bank and TrustBank Decatur, IL | 77 out of 100, Strong | $717.5M | 11.0% | 0.18% | vs |
Deposit insurance
Is my money safe at The Peoples State Bank of Newton, Illinois?
Yes. The Peoples State Bank of Newton, Illinois is an FDIC-insured institution (FDIC certificate #11722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.6% of deposits ($142.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.52%, 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%).
9 locations
Branches
The Peoples State Bank of Newton, Illinois lists 8 offices in 8 cities. Most locations:
- Bridgeport, IL (1)
- Greenville, IL (1)
- Lawrenceville, IL (1)
- Newton, IL (1)
- Salem, IL (1)
- St. Francisville, IL (1)
- Sumner, IL (1)
- Vandalia, IL (1)
HMDA 2025
Mortgage lending
In 2025, The Peoples State Bank of Newton, Illinois reported 111 home-loan applications under HMDA (LEI 5493006IBJS6XC0DFJ29): 94 originated ($15,030,000 total), 8 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.3%, 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
- The Peoples State Bank of Newton, Illinois
- Type
- State-chartered bank
- FDIC certificate #
- 11722
- RSSD ID
- 326344
- Primary regulator
- FDIC
- Holding company
- Peoples Bcorp Inc
- Established
- January 1, 1875
- Headquarters
- 104 W Washington St, Newton, IL 62448
- Website
- www.psbnewton.com
- Employees
- 96
Quick answers
The Peoples State Bank of Newton, Illinois: common questions
Is The Peoples State Bank of Newton, Illinois FDIC insured?
Yes. The Peoples State Bank of Newton, Illinois is an FDIC-insured institution (FDIC certificate #11722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples State Bank of Newton, Illinois's TellerScore?
81 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 The Peoples State Bank of Newton, Illinois ever failed?
There is no failure record for FDIC certificate #11722 in the FDIC failed bank list.
How many branches does The Peoples State Bank of Newton, Illinois have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Newton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Crossroads BankBank Effingham, IL | 93 out of 100, Very strong | $234.7M | 16.0% | 0.06% | vs |
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| Hershey Robinson Employees Credit UnionCredit union Robinson, IL | 86 out of 100, Very strong | $3.3M | 25.0% | 1.37% | vs |
| Washington Savings BankBank Effingham, IL | 77 out of 100, Strong | $585.3M | 12.1% | 0.29% | vs |
| Sainte Marie State BankBank Sainte Marie, IL | 76 out of 100, Strong | $23.0M | 15.8% | 0.31% | vs |