Peoples Bank & Trust

Headquarters

200 S Locust St
Pana, IL 62557
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 2.55% →
1-Year CD 0.25% 2.80% →
2-Year CD 0.35% 3.20% →
5-Year CD 0.50% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Peoples Bank & Trust is an FDIC insured institution located in Pana, IL. It was founded in 1954 and has approximately $0.58 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 17320
Date Established 1954
Assets $ 584.43 million
Loans $ 341.88 million
Deposits $ 504.33 million
Capital $ 43.11 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 15, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
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
6 Mo CD
0.20% $1,000 $24,999 Learn More
6 Mo CD
0.20% $75,000 - 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

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less
 

Loan Rates - August 15, 2022

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 2022

Lender APR Rate (%) Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
4.845% 4.750%
0.75 points
$2,752 fees
$1,305 Learn More
Morty, Inc.
NMLS ID: 1429243
4.683% 4.625%
0.63 points
$1,700 fees
$1,286 Learn More
First Internet Bank
NMLS ID: 424182
4.959% 4.875%
1.00 points
$2,428 fees
$1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.990 %
After Intro: 6.000 %
Intro Period: 12 months
$25,000 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



Climate Initiatives

Peoples Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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
2.22% 4.01%

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, 2022, Peoples Bank & Trust had $1,046,000 in non-current loans and $15,000 in owned real estate. To cover these potential losses it had $43,106,000 in equity and $4,726,000 in loans loss reserves. That gives it a Texas Ratio of 2.22%.

Return on Equity
Peoples Bank & Trust U.S. Bank Average
19.79% 9.01%

Peoples Bank & Trust has a Return on Equity of 19.79% versus the BestCashCow average of 9.01%. 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
7.38% 10.66%

Peoples Bank & Trust has a Capitalization of 7.38% versus the BestCashCow average of 10.66. 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, 2022, Peoples Bank & Trust had assets of $584,432,000, loans of $341,880,000, and deposits of $504,333,000. 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, 2022
ASSETS
Cash & Balances due from depository institutions $ 7.41 million
Interest-bearing balances $ 0.77 million
Total securities $ 206.89 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 341.88 million
Loan loss allowance $ 4.73 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles $ 2.26 million
All other assets $ 18.87 million
     Total Assets $ 541.33 million
LIABILITIES
Total deposits $ 504.33 million
      Interest-bearing deposits $ 361.66 million
      Deposits held in domestic offices $ 504.33 million
      % insured (estimated) 58.20%
Federal funds purchased and repurchase agreements $ 22.53 million
Trading liabilities N.A.
Other borrowed funds $ 11.00 million
Subordinated debt N.A.
All other liabilities $ 3.47 million
      Total Liabilities $ 541.33 million
      Shareholders’ Equity $ 43.11 million

Summary Income Statement

March 31, 2022
INCOME AND EXPENSES
Total Interest Income $ 4.94 million
Total Interest Expense $ 0.15 million
Net interest income $ 4.80 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.60 million
Total non interest expense $ 2.17 million
Pre-tax Net Operating Income $ 3.22 million

Bank Loan Profile?

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

Compared to other banks in Illinois, Peoples Bank & Trust has a significantly higher percent of Commercial and Industrial 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 9.02
Multifamily
Mortgages
1.90
Credit Card Loans 0.00
Consumer Auto Loans 0.14
Small Business Loans 0.00
Construction and Development Loans 1.36
Commercial Real Estate 15.00
Commercial and Industrial Loans 43.09
Farm Loans 11.26

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