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Peoples National Bank , N.A.
Mount Vernon, IL · FDIC Certificate #3809 · Chartered 03/0
Total assets
$2.08B
Total deposits
$1.84B
Total equity
$179.37M
Net loans
$1.82B
Branches (offices)
23
Net income (YTD)
$14.85M
Rank: #587 of 4,213 U.S. banks by assets · #37 of 322 in Illinois. Assets changed 11.0% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 16.71% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 8.61% |
| Tier 1 leverage ratio | 9.26% |
| Uninsured deposits (share of deposits) | 26.4% |
| Noncurrent loans (share of loans) | 0.84% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 98.6% |
| Real estate loans (share of loans) | 69.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.26B | 69.1% | |
| Commercial & industrial | $407.42M | 22.4% | |
| Consumer / individual | $3.40M | 0.2% | |
| Construction & development | $50.40M | 2.8% | |
| Agricultural | $146.42M | 8.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.57B | $1.37B | $10.78M | $116.97M |
| Jun 2023 | $1.69B | $1.55B | $8.94M | $132.24M |
| Jun 2024 | $1.74B | $1.54B | $9.72M | $144.69M |
| Jun 2025 | $1.88B | $1.70B | $13.89M | $161.23M |
| Jun 2026 | $2.08B | $1.84B | $14.85M | $179.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $1.69B | 20 |
| Missouri | $155.46M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.84B.
Similar-sized banks
Kish Bank ($2.08B) · First Bank ($2.07B)
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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