Bank · FDIC insured
PeopleFirst Bank
A $265.6M bank headquartered in Joliet, IL, with 2 branches in Illinois. Best rates: CDs 4.25% and savings 2.50% APY.
PeopleFirst Bank Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#61 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About PeopleFirst Bank
- Headquarters
- 3100 Theodore St, Joliet, IL 60435
- FDIC certificate
- 58597 ↗
Branches
2 branches in Illinois
Loading map…
Illinois
2 branches
- PeopleFirst BankMain office3100 Theodore St, Joliet, IL 60435Directions
- Shorewood Branch1226 W Jefferson St, Shorewood, IL 60404Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.35% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.13% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.14% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio12.35%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.13%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.14%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of PeopleFirst Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.