Peoples Bank & Trust Reviews and Rates

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.bankpbt.com

888-728-1954

200 South Locust Street
Pana, IL 62557

Peoples Bank & Trust is headquartered in PANA and is the 91^st largest bank in the state of Illinois. It is also the 1,597^th largest bank in the nation. It was established in 1954 and as of March of 2025, it had grown to 80 employees at 14 locations. Peoples Bank & Trust has an A health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	17320
Year Established	1954
Employees	80
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.97%
Return on Equity - YTD	19.25%
Annual Interest Income	$8.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$592.2MM$553.9MM
Loans	Q1 2025vs Q1 2024	$393.9MM$364.7MM
Deposits	Q1 2025vs Q1 2024	$477.5MM$435.4MM
Equity Capital	Q1 2025vs Q1 2024	$61.1MM$55.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4MM$3.7MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.5MM$2.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Locations

Availability

Champaign Area

Champaign Area bank & credit union details

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