Peoples National Bank , N.A.

520 South 42nd Street
Mount Vernon, IL 62864

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3809
Date Established 1909
Assets $1.20 billion
Loans $1.03 billion
Deposits $1.04 billion
Capital $0.11 billion

Peoples National Bank , N.A. is an FDIC insured institution located in Mount Vernon, IL. It was founded in 1909 and has approximately $1.2 billion in assets. Customers can open an account at one of its 24 branches.

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

Deposit Rates - October 18, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.01% $1,000 $9,999 Learn MoreShow Less
Money Market
0.02% $10,000 $24,999 Learn MoreShow Less
Money Market
0.03% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
0.32% $10,000 $99,999 Learn MoreShow Less
3 Mo CD
0.33% $100,000 - Learn MoreShow Less
0.43% $10,000 $99,999 Learn MoreShow Less
6 Mo CD
0.47% $100,000 - Learn MoreShow Less
0.45% $10,000 $99,999 Learn MoreShow Less
12 Mo CD
0.51% $100,000 - Learn MoreShow Less
Special: 13 Mo CD
1.35% $500 - Learn MoreShow Less
0.51% $10,000 $99,999 Learn MoreShow Less
18 Mo CD
0.56% $100,000 - Learn MoreShow Less
0.71% $10,000 $99,999 Learn MoreShow Less
24 Mo CD
0.81% $100,000 - Learn MoreShow Less
Special: 25 Mo CD
1.85% $500 - Learn MoreShow Less
0.71% $10,000 $99,999 Learn MoreShow Less
1.11% $10,000 $99,999 Learn MoreShow Less
36 Mo CD
1.21% $100,000 - Learn MoreShow Less
1.31% $10,000 $99,999 Learn MoreShow Less
48 Mo CD
1.41% $100,000 - Learn MoreShow Less
1.51% $10,000 $99,999 Learn MoreShow Less
60 Mo CD
1.61% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.51% $100 - Learn MoreShow Less
Special: 13 Mo FIRA
1.35% $100 - Learn MoreShow Less
Special: 25 Mo FIRA
1.85% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.45% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 $9,999 Learn MoreShow Less

Loan Rates - October 18, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Peoples National Bank , N.A.

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
3.750% 3.750% 0.00 ($98) $1,158 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.515% 3.500% 0.25 $478 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Peoples National Bank , N.A.
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Branches

Peoples National Bank , N.A. 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:
Fairfield,Connecticut


Peoples National Bank , N.A. Locations


Financial Details

Peoples National Bank , N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Peoples National Bank , N.A.. 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 National Bank , N.A. U.S. Bank Average
18.46% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2019, Peoples National Bank , N.A. had $21,244,000 in non-current loans and $1,731,000 in owned real estate. To cover these potential losses it had $112,975,000 in equity and $11,506,000 in loans loss reserves. That gives it a Texas Ratio of 18.46%.

Return on Equity
Peoples National Bank , N.A. U.S. Bank Average
12.16% 9.50%

Peoples National Bank , N.A. has a Return on Equity of 12.16% versus the BestCashCow average of 9.50%. 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 National Bank , N.A. U.S. Bank Average
9.38% 12.76%

Peoples National Bank , N.A. has a Capitalization of 9.38% versus the BestCashCow average of 12.76. 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 National Bank , N.A. Balance Sheet Analysis

As of June 30, 2019, Peoples National Bank , N.A. had assets of $1,203,958,000, loans of $1,029,565,000, and deposits of $1,036,628,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.04 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.03 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $1.09 billion
LIABILITIES
Total deposits $1.04 billion
      Interest-bearing deposits $0.80 billion
      Deposits held in domestic offices $1.04 billion
      % insured (estimated) 88.40%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.05 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $1.09 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

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

Compared to other banks, Peoples National Bank , N.A.’s loan portfolio does not show any specific loan specialty.

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 8.43
Multifamily
Mortgages
2.87
Credit Card Loans 0.00
Consumer Auto Loans 0.14
Small Business Loans 6.86
Construction and Development Loans 5.50
Commercial Real Estate 30.29
Commercial and Industrial Loans 19.38
Farm Loans 8.97

Frequently Asked Questions About Peoples National Bank , N.a.

Branches and Savings

Is Peoples National Bank , N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #3809.

Why does Peoples National Bank , N.a. pay such low interest on savings accounts?

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

Why are Peoples National Bank , N.a. CD rates not competitive?

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

Is Peoples National Bank , N.a. a commercial bank?

Yes

Where are Peoples National Bank , N.a. locations?

See branch locations nearby.

Is Peoples National Bank , N.a. open on Saturdays?

Is Peoples National Bank , N.a. open on Sundays?

What time does Peoples National Bank , N.a. open?

What time does Peoples National Bank , N.a. close?

Are Peoples National Bank , N.a. ATMs Open 24/7?

Do Peoples National Bank , N.a. ATMs accept cash deposits?

Can Peoples National Bank , N.a. customers use other ATMs?

Do Peoples National Bank , N.a. branches have notaries?

Will Peoples National Bank , N.a. notarize my document?

What address for Peoples National Bank , N.a. should I put for incoming ACH transfers?

Will the Peoples National Bank , N.a. branch print checks?

Do Peoples National Bank , N.a. checks expire?

Does Peoples National Bank , N.a. require US citizenship to open account?

Can Peoples National Bank , N.a. close my account?

Does Peoples National Bank , N.a. Report to credit bureaus?

Does Peoples National Bank , N.a. Use Equifax?

What is Peoples National Bank , N.a.'s ACH Routing Number?

What is Peoples National Bank , N.a.'s SWIFT code?

Products

Does Peoples National Bank , N.a. offer mortgages?

Compare mortgage rates here.

Does Peoples National Bank , N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Peoples National Bank , N.a. offer personal loans?

Compare personal loan rates here.

Does Peoples National Bank , N.a. offer student loans?

Will Peoples National Bank , N.a. cash a check?

Will Peoples National Bank , N.a. redeem a savings bond?

Does Peoples National Bank , N.a. cash savings bonds?

Will Peoples National Bank , N.a. cash money orders?

Can Peoples National Bank , N.a. issue a money order?

Does Peoples National Bank , N.a. do currency exchange?

Background on The Bank

Who owns Peoples National Bank , N.a.?

How long has Peoples National Bank , N.a. been around?

Can Peoples National Bank , N.a. transfer to other banks?

Does Peoples National Bank , N.a. have quick pay?

Does Peoples National Bank , N.a. accept rolled coins?

Will Peoples National Bank , N.a. accept loose change?

Where is Peoples National Bank , N.a. headquarters?

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