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Peoples Bank & Trust
Pana, IL · FDIC Certificate #17320 · Chartered 05/0
Total assets
$656.60M
Total deposits
$522.19M
Total equity
$69.90M
Net loans
$418.63M
Branches (offices)
14
Net income (YTD)
$6.79M
Rank: #1,444 of 4,213 U.S. banks by assets · #81 of 322 in Illinois. Assets changed 11.0% and deposits 6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.16% |
| Return on equity | 22.11% |
| Net interest margin (YTD) | 5.15% |
| Equity to assets | 10.65% |
| Tier 1 leverage ratio | 10.73% |
| Uninsured deposits (share of deposits) | 43.2% |
| Noncurrent loans (share of loans) | 1.58% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 46.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $193.21M | 46.2% | |
| Commercial & industrial | $150.59M | 36.0% | |
| Consumer / individual | $4.67M | 1.1% | |
| Construction & development | $699.00K | 0.2% | |
| Agricultural | $66.58M | 15.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $580.73M | $516.38M | $4.36M | $39.63M |
| Jun 2023 | $541.98M | $432.61M | $5.13M | $46.11M |
| Jun 2024 | $603.94M | $495.30M | $5.52M | $57.64M |
| Jun 2025 | $591.28M | $489.83M | $6.00M | $60.22M |
| Jun 2026 | $656.60M | $522.19M | $6.79M | $69.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $522.19M | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $522.19M.
Similar-sized banks
First Hope Bank, A National Banking Association ($656.68M) · Worthington Bank ($655.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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