Peoples Bank (FDIC #29523): Bank Stress & Real-Estate Credit Exposure
Peoples Bank (FDIC Cert #29523): bank stress 87/100, severe, STABLE over 7 days; parent FINWARD BCORP.
Peoples Bank (#29523) lends in 4 counties across 2 states; Peoples Bank (#29523) reaches 252 ZIP codes: Illinois 2 counties, 212 ZIPs; Indiana 2 counties, 40 ZIPs.
Peoples Bank (#29523) largest markets: Cook County, IL (1,780 branches, 178 ZIPs) (#29523), Dupage County, IL (43 branches, 43 ZIPs) (#29523), Lake County, IN (336 branches, 28 ZIPs) (#29523), Porter County, IN (16 branches, 16 ZIPs) (#29523).
Peoples Bank (#29523) reports $2.04 billion in total assets; Peoples Bank (#29523) equity $176.9 million (8.7% of Peoples Bank (#29523) assets); Peoples Bank (#29523) domestic deposits $1.73 billion; Peoples Bank (#29523) net income $4.4 million; Peoples Bank (#29523) return on assets 0.43%; Peoples Bank (#29523) return on equity 5.02%; Peoples Bank (#29523) net interest income $30.3 million; Peoples Bank (#29523) call report June 30, 2026.
Peoples Bank (#29523) noncurrent real-estate loans: none reported; Peoples Bank (#29523) net charge-offs on real estate 1.12%; Peoples Bank (#29523) multifamily charge-offs 0.98%; Peoples Bank (#29523) residential charge-offs 0.67%.
Peoples Bank (#29523) net interest margin 3.26% against an eight-quarter Peoples Bank (#29523) average of 2.92% (Peoples Bank (#29523) compression -0.34 points); Peoples Bank (#29523) non-residential real estate 66.8% of equity; Peoples Bank (#29523) rate-exposure score 40/100, Peoples Bank (#29523) fixed-rate trap 40/100; Peoples Bank (#29523) risk type credit driven; Peoples Bank (#29523) rate regime rates elevated, Peoples Bank (#29523) snapshot October 20, 2026.
Peoples Bank (#29523) stress score moved from 85.1 on June 22, 2026 to 86.6 on October 20, 2026; Peoples Bank (#29523) ranged 85.1 to 86.6 over 117 snapshots.
Peoples Bank (#29523) alerts: 4 counties; top Peoples Bank (#29523) alert scores: Orland Park County, IN 27 (low); Valparaiso County, IN 27 (low); Westmont County, IN 27 (low); Whiting County, IN 27 (low).