Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
618-241-6500
520 South 42nd Street
Mount Vernon, IL 62864

Peoples National Bank , N.A. is headquartered in Mount Vernon and is the 46th largest bank in the state of Illinois. It is also the 740th largest bank in the nation. It was established in 1909 and as of December of 2013, it had grown to 222 employees at 20 locations. Peoples National Bank , N.A. has a B+ health rating.

Related Posts

New Kasasa Accounts with a High-Yield Reward Checking at Peoples National Bank - 4/8/2014

Peoples National Bank has just started to offer Kasasa accounts, and one of those accounts is a high-yield reward checking account that’s called Kasasa Cash. There’s also a savings account called Kasa ...

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Peoples National Bank , N.A. had $10.67 million in non-current loans and owned real-estate with $93.1 million in equity and loan loss allowances on hand to cover it. This gives Peoples National Bank , N.A. a Texas Ratio of 11.46% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Peoples National Bank , N.A. decreased dramatically from 17.19% as of December 31, 2012 to 11.46% as of December 31, 2013, resulting in a positive change of 33.33%.This indicates that the balance sheet and financial strength for Peoples National Bank , N.A. has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, Peoples National Bank , N.A. has increased its total deposits by $37.32 million, resulting in 4.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Peoples National Bank , N.A. has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Peoples National Bank , N.A. has $912.88 million in assets with $93.1 million in equity, resulting in a capitalization level of 10.20%, which is above average.

Institution Statistics

Overall
FDIC Certificate #3809
Year Established1909
Employees222
Primary RegulatorOCC
Assets and Liabilities
Assets$912.88 million
Loans$752.24 million
Deposits$827.54 million
Equity Capital$83.82 million
Loan Loss Allowance$9.29 million
Unbacked Noncurrent Loans$6.61 million
Real Estate Owned$4.07 million
Historic Data - December 2012
Assets$883.86 million
Equity Capital$79.24 million
Loan Loss Allowance$8.30 million
Unbacked Noncurrent Loans$6.61 million
Real Estate Owned$4.70 million
Profit Margin - Quarterly
Net Interest Margin4.32%
Return on Assets1.15%
Return on Equity12.48%
Interest Income$37.75 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Peoples National Bank , N.A., we are a rate comparison website and can not provide official rates or promotions.

Peoples National Bank , N.A. Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%-$10kKasasa Saver
0.02%--Regular Savings
0.02%--Little Peoples Savings
0.02%--Christmas Savers
0.02%$100-Peoples Health Savings Account
0.01%--Kasasa Saver

Peoples National Bank , N.A. Money Market Rates

DetailsAPYMINMAXPRODUCT
0.03%$25k-Preferred Money Market

Peoples National Bank , N.A. Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.01%-$10kKasasa Cash
0.10%$1k-Peoples Select Checking
0.03%$10k-Peoples Prime 50
0.01%--Kasasa Cash

Peoples National Bank , N.A. CD Rates

DetailsAPYMINMAXPRODUCT
1.22%$100k-60+ Month CD
1.22%$100k-60+ Month Business CD
1.02%$500-45 Month CD Special
1.01%$100k-48-59 Month CD
1.01%$100k-48-59 Month Business CD
0.81%$100k-36-47 Month CD
0.81%$100k-36-47 Month Business CD
0.51%$100k-24-35 Month CD
0.51%$100k-24-35 Month Business CD
0.45%$500-15 Month CD Special
0.29%$500-7 Month CD Special
0.26%$100k-18-23 Month CD
0.26%$100k-18-23 Month Business CD
0.21%$100k-12-17 Month CD
0.21%$100k-12-17 Month Business CD
0.17%$100k-182-364 Day CD
0.17%$25k-10 Month 3 in 1 CD Special
0.17%$100k-182-364 Day Business CD
0.13%$100k-91-181 Day CD
0.13%$100k-91-181 Day Business CD
0.11%$100k-30-90 Day CD
0.11%$100k-30-90 Day Business CD

Peoples National Bank , N.A. IRA Rates

DetailsAPYMINMAXPRODUCT
1.22%$100-60 Month Fixed Rate IRA (Traditional,Roth,CESA)
0.98%$100-48 Month Fixed Rate IRA (Traditional,Roth,CESA)
0.75%$100-42 Month IRA Special (Traditional,Roth,CESA)
0.43%$100-24 Month Fixed Rate IRA (Traditional,Roth,CESA)
0.20%$100-18 Month Fixed Rate IRA (Traditional,Roth,CESA)
0.15%$100-18 Month Variable Rate IRA (Traditional,Roth,CESA)
0.14%$100-12 Month Fixed Rate IRA (Traditional,Roth,CESA)
Locations

Peoples National Bank , N.A. has 20 locations. Click to view all Peoples National Bank , N.A. locations.