Peoples Bank & Trust

Headquarters

200 South Locust Street
Pana, IL 62557
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.75% 1.05% →
2-Year CD 0.35% 1.11% →
5-Year CD 0.50% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Peoples Bank & Trust is an FDIC insured institution located in Pana, IL. It was founded in 1954 and has approximately $0.4 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 17320
Date Established 1954
Assets $ 400.91 million
Loans $ 272.31 million
Deposits $ 324.94 million
Capital $ 45.91 million
 

For a more detailed analysis of Peoples Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 12, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $200 - Learn More
Money Market
0.05% $2,500 $24,999 Learn More
Money Market
0.05% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 $24,999 Learn More
3 Mo CD
0.10% $75,000 - Learn More
6 Mo CD
0.20% $1,000 $24,999 Learn More
6 Mo CD
0.20% $75,000 - Learn More
Special: 12 Mo CD
0.75% $1,000 - Learn More
12 Mo CD
0.25% $1,000 $24,999 Learn More
12 Mo CD
0.25% $75,000 - Learn More
18 Mo CD
0.30% $1,000 $24,999 Learn More
18 Mo CD
0.30% $75,000 - Learn More
24 Mo CD
0.35% $1,000 $24,999 Learn More
24 Mo CD
0.35% $75,000 - Learn More
30 Mo CD
0.35% $1,000 $24,999 Learn More
30 Mo CD
0.35% $75,000 - Learn More
36 Mo CD
0.40% $1,000 $24,999 Learn More
36 Mo CD
0.40% $75,000 - Learn More
48 Mo CD
0.45% $1,000 $24,999 Learn More
48 Mo CD
0.45% $75,000 - Learn More
60 Mo CD
0.50% $1,000 $24,999 Learn More
60 Mo CD
0.50% $75,000 - Learn More

Fixed IRA Rates APY MIN MAX
Special: 12 Mo FIRA
0.75% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - August 12, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Peoples Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to Peoples Bank & Trust
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Branches

Peoples Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Peoples Bank & Trust Locations


Financial Details

Peoples Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Peoples Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Peoples Bank & Trust U.S. Bank Average
20.06% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Peoples Bank & Trust had $9,273,000 in non-current loans and $563,000 in owned real estate. To cover these potential losses it had $45,912,000 in equity and $3,110,000 in loans loss reserves. That gives it a Texas Ratio of 20.06%.

Return on Equity
Peoples Bank & Trust U.S. Bank Average
9.54% 7.80%

Peoples Bank & Trust has a Return on Equity of 9.54% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Peoples Bank & Trust U.S. Bank Average
11.45% 12.68%

Peoples Bank & Trust has a Capitalization of 11.45% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Peoples Bank & Trust Balance Sheet Analysis

As of March 31, 2020, Peoples Bank & Trust had assets of $400,905,000, loans of $272,314,000, and deposits of $324,937,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 10.86 million
Interest-bearing balances $ 0.11 million
Total securities $ 90.88 million
Federal funds sold and reverse repurchase $ 0.26 million
Net loans and leases $ 272.31 million
Loan loss allowance $ 3.11 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.56 million
Goodwill and other intangibles $ 2.63 million
All other assets $ 16.34 million
     Total Assets $ 354.99 million
LIABILITIES
Total deposits $ 324.94 million
      Interest-bearing deposits $ 240.61 million
      Deposits held in domestic offices $ 324.94 million
      % insured (estimated) 75.34%
Federal funds purchased and repurchase agreements $ 10.66 million
Trading liabilities N.A.
Other borrowed funds $ 17.00 million
Subordinated debt N.A.
All other liabilities $ 2.40 million
      Total Liabilities $ 354.99 million
      Shareholders’ Equity $ 45.91 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 4.30 million
Total Interest Expense $ 0.63 million
Net interest income $ 3.67 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.19 million
Total non interest expense $ 2.56 million
Pre-tax Net Operating Income $ 1.31 million

Bank Loan Profile?

The top three loan types in Peoples Bank & Trust’s loan portfolio are Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Illinois, Peoples Bank & Trust has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.36
Multifamily
Mortgages
4.78
Credit Card Loans 0.00
Consumer Auto Loans 0.19
Small Business Loans 0.00
Construction and Development Loans 1.89
Commercial Real Estate 18.81
Commercial and Industrial Loans 18.34
Farm Loans 23.44

Frequently Asked Questions About Peoples Bank & Trust

Branches and Savings

Is Peoples Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #17320.

Why does Peoples Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Peoples Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Peoples Bank & Trust a commercial bank?

Yes

Where are Peoples Bank & Trust locations?

See branch locations nearby.

Is Peoples Bank & Trust open on Saturdays?

Is Peoples Bank & Trust open on Sundays?

What time does Peoples Bank & Trust open?

What time does Peoples Bank & Trust close?

Are Peoples Bank & Trust ATMs Open 24/7?

Do Peoples Bank & Trust ATMs accept cash deposits?

Can Peoples Bank & Trust customers use other ATMs?

Do Peoples Bank & Trust branches have notaries?

Will Peoples Bank & Trust notarize my document?

What address for Peoples Bank & Trust should I put for incoming ACH transfers?

Will the Peoples Bank & Trust branch print checks?

Do Peoples Bank & Trust checks expire?

Does Peoples Bank & Trust require US citizenship to open account?

Can Peoples Bank & Trust close my account?

Does Peoples Bank & Trust Report to credit bureaus?

Does Peoples Bank & Trust Use Equifax?

What is Peoples Bank & Trust's ACH Routing Number?

What is Peoples Bank & Trust's SWIFT code?

Products

Does Peoples Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Peoples Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Peoples Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Peoples Bank & Trust offer student loans?

Will Peoples Bank & Trust cash a check?

Will Peoples Bank & Trust redeem a savings bond?

Does Peoples Bank & Trust cash savings bonds?

Will Peoples Bank & Trust cash money orders?

Can Peoples Bank & Trust issue a money order?

Does Peoples Bank & Trust do currency exchange?

Background on The Bank

Who owns Peoples Bank & Trust?

How long has Peoples Bank & Trust been around?

Can Peoples Bank & Trust transfer to other banks?

Does Peoples Bank & Trust have quick pay?

Does Peoples Bank & Trust accept rolled coins?

Will Peoples Bank & Trust accept loose change?

Where is Peoples Bank & Trust headquarters?

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