PeopleFirst Bank
Joliet, IL
IDRSSD: 3548763
Total Assets
$264.32M
Latest filing
Total Deposits
$216.38M
Latest filing
Net Interest Margin
4.02%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
071926692JOLIET, IL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
PeopleFirst Bank
3100 Theodore St
Joliet, IL 60435
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/08/2007FDIC Certificate 457630
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| PeopleFirst Bank (Main) | 3100 Theodore St | Joliet, IL |
| SHOREWOOD BRANCH | 1226 W Jefferson St | Shorewood, IL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/08/2007 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60435 |
| State and County Number | 17197 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/08/2007 |
| Primary Insurance Agency | DIF |
| Website | www.peoplefirstbank.com |
| Data Updated | 01/30/2026 |
| CERT | 58597 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $264.32M |
| Total Deposits | $216.38M |
| Total Liabilities | $233.82M |
| Total Equity Capital | $30.50M |
| Net Income | $34.00k |
| Net Loans and Leases | $173.06M |
| Assets Per Employee ($Millions) | $9.79M |
| Bank Premises and Fixed Assets | $5.97M |
| Cash and Balances due from Depository Institutions | $48.25M |
| Deposits Held in Domestic Offices | $216.38M |
Key Performance Ratios
| Return on Assets (ROA) | 0.05% |
| Return on Equity (ROE) | 0.45% |
| Net Interest Margin | 4.02% |
| Efficiency Ratio | 35.62% |
| Tier 1 Risk-Based Capital Ratio | 16.396% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 3.28% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.538% |
| Earning Assets to total Assets | 84.14% |
Income and Expense
| Total Interest Income | $3.56M |
| Total Noninterest Income | $1.13M |
| Total Interest Expense | $1.30M |
| Total Noninterest Expense | $1.21M |
| Net Interest Income | $2.25M |
| Pre-tax Net Operating Income | $23.00k |
| Provision for Credit Losses | $2.16M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $268.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.44M |
| Total Liabilities and Capital | $264.32M |
Securities
| Securities | $26.65M |
| Available-for-sale debt securities | $26.65M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of PeopleFirst Bank?
$264.32M as of the latest filing.
How much are PeopleFirst Bank's total deposits?
$216.38M in total deposits.
Where is PeopleFirst Bank located?
Joliet, IL.
What is the Net Interest Margin?
4.02%.
How many domestic offices does it operate?
2.
When was it established?
01/08/2007.
What is the Return on Assets (ROA)?
0.05%.
How much are total loans and leases?
$173.06M (latest filing).
What is the total interest income (latest filing)?
$3.56M.