Peoples National Bank , N.A.

Headquarters

520 South 42nd Street
Mount Vernon, IL 62864
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 1.20% →
1-Year CD 0.31% 1.10% →
2-Year CD 0.56% 1.15% →
5-Year CD 1.21% 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 National Bank , N.A. is an FDIC insured institution located in Mount Vernon, IL. It was founded in 1909 and has approximately $1.19 billion in assets. Customers can open an account at one of its 24 branches.

FDIC Insured Yes
FDIC Certificate # 3809
Date Established 1909
Assets $ 1,188.06 million
Loans $ 1,016.23 million
Deposits $ 1,019.37 million
Capital $ 114.61 million
 

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 - August 5, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.02% $2,500 $4,999 Learn More
Money Market
0.01% $2,500 $2,999 Learn More
Money Market
0.02% $10,000 $14,999 Learn More
Money Market
0.03% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.12% $10,000 $14,999 Learn More
3 Mo CD
0.13% $100,000 $199,999 Learn More
6 Mo CD
0.23% $10,000 $14,999 Learn More
6 Mo CD
0.27% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.31% $100,000 $199,999 Learn More
Special: 13 Mo CD
0.29% $500 - Learn More
18 Mo CD
0.26% $10,000 $14,999 Learn More
18 Mo CD
0.31% $100,000 $199,999 Learn More
24 Mo CD
0.46% $10,000 $14,999 Learn More
24 Mo CD
0.56% $100,000 $199,999 Learn More
Special: 25 Mo CD
0.44% $500 - Learn More
30 Mo CD
0.46% $10,000 $14,999 Learn More
30 Mo CD
0.56% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
0.91% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.11% $10,000 $14,999 Learn More
60 Mo CD
1.21% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Special: 13 Mo FIRA
0.34% $100 - Learn MoreShow Less
Special: 25 Mo FIRA
0.49% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 5, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.930% 2.875% 0.75 $1,762 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

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


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
17.01% 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 National Bank , N.A. had $16,240,000 in non-current loans and $5,183,000 in owned real estate. To cover these potential losses it had $114,607,000 in equity and $11,356,000 in loans loss reserves. That gives it a Texas Ratio of 17.01%.

Return on Equity
Peoples National Bank , N.A. U.S. Bank Average
11.66% 7.80%

Peoples National Bank , N.A. has a Return on Equity of 11.66% 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 National Bank , N.A. U.S. Bank Average
9.65% 12.68%

Peoples National Bank , N.A. has a Capitalization of 9.65% 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 National Bank , N.A. Balance Sheet Analysis

As of March 31, 2020, Peoples National Bank , N.A. had assets of $1,188,063,000, loans of $1,016,230,000, and deposits of $1,019,369,000. 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 $ 54.99 million
Interest-bearing balances $ 30.50 million
Total securities $ 47.59 million
Federal funds sold and reverse repurchase $ 1.18 million
Net loans and leases $ 1,016.23 million
Loan loss allowance $ 11.36 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 5.18 million
Goodwill and other intangibles N.A.
All other assets $ 33.47 million
     Total Assets $ 1,073.46 million
LIABILITIES
Total deposits $ 1,019.37 million
      Interest-bearing deposits $ 778.70 million
      Deposits held in domestic offices $ 1,019.37 million
      % insured (estimated) 87.27%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 50.00 million
Subordinated debt N.A.
All other liabilities $ 4.09 million
      Total Liabilities $ 1,073.46 million
      Shareholders’ Equity $ 114.61 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 13.63 million
Total Interest Expense $ 2.15 million
Net interest income $ 11.48 million
Provision for loan and lease losses $ 0.45 million
Total non interest income $ 2.85 million
Total non interest expense $ 10.52 million
Pre-tax Net Operating Income $ 3.36 million

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 in Illinois, Peoples National Bank , N.A. has a significantly higher percent of Small Business 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 7.97
Multifamily
Mortgages
3.13
Credit Card Loans 0.00
Consumer Auto Loans 0.14
Small Business Loans 7.66
Construction and Development Loans 6.53
Commercial Real Estate 30.22
Commercial and Industrial Loans 17.92
Farm Loans 8.61

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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