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Overview / Commentary
740-769-2377
298 Union Street
Mount Pleasant, OH 43939

The Peoples National Bank of Mount Pleasant is headquartered in Mount Pleasant and is the 185th largest bank in the state of Ohio. It is also the 5,797th largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 27 employees at 3 locations. The Peoples National Bank of Mount Pleasant has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Peoples National Bank of Mount Pleasant has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Peoples National Bank of Mount Pleasant had $303,000 in non-current loans and owned real-estate with $7.2 million in equity and loan loss allowances on hand to cover it. This gives The Peoples National Bank of Mount Pleasant a Texas Ratio of 4.21% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for The Peoples National Bank of Mount Pleasant decreased dramatically from 6.29% as of March 31, 2013 to 4.21% as of March 31, 2014, resulting in a positive change of 33.06%.This indicates that the balance sheet and financial strength for The Peoples National Bank of Mount Pleasant has improved dramatically in recent periods.

Deposit Growth

GRADE:
C

In the past year, The Peoples National Bank of Mount Pleasant has decreased its total deposits by $-917,000, resulting in -1.81% 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 The Peoples National Bank of Mount Pleasant has shown is average.

Capitalization

GRADE:
A+

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. The Peoples National Bank of Mount Pleasant has $56.65 million in assets with $7.2 million in equity, resulting in a capitalization level of 12.71%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #6649
Year Established1903
Employees27
Primary RegulatorOCC
Assets and Liabilities
Assets$56.65 million
Loans$33.40 million
Deposits$49.71 million
Equity Capital$6.86 million
Loan Loss Allowance$335,000
Unbacked Noncurrent Loans$303,000
Real Estate Owned$0
Historic Data - March 2013
Assets$57.52 million
Equity Capital$6.78 million
Loan Loss Allowance$311,000
Unbacked Noncurrent Loans$303,000
Real Estate Owned$46,000
Profit Margin - Quarterly
Net Interest Margin3.81%
Return on Assets0.21%
Return on Equity1.75%
Interest Income$579,000
Rates

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The Peoples National Bank of Mount Pleasant Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--IRA Passbook Savings
0.05%--Statement Savings
0.05%--Passbook Savings
0.05%--Christmas Clubs

The Peoples National Bank of Mount Pleasant Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$200k-Money Market Personal Checking

The Peoples National Bank of Mount Pleasant Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--NOW Personal Checking

The Peoples National Bank of Mount Pleasant CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-72 Month CD
0.75%$1k-48 Month CD
0.75%$1k-60 Month CD
0.45%$1k-36 Month CD
0.30%$1k-24 Month CD
0.30%$1k-30 Month CD
0.20%$1k-12 Month CD
0.20%$1k-18 Month CD
0.10%$1k-6 Month CD
0.10%$1k-21 Month CD
0.05%$1k-91 Day CD

The Peoples National Bank of Mount Pleasant IRA Rates

DetailsAPYMINMAXPRODUCT
0.45%$1k-36 Month IRA
0.30%$1k-24 Month IRA
0.20%$1k-12 Month IRA
Locations


The Peoples National Bank of Mount Pleasant Locations
The Peoples National Bank Of Mount Pleasant298 Union StreetMount Pleasant, OH 43939
Dillonvale Branch44 Smithfield StreetDillonvale, OH 43917
Adena Branch9 East Main StreetAdena, OH 43901