Peoples National Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Peoples National Bank, N.A. operates with a thinner capital cushion than most banks of its size. The Mount Vernon, Illinois bank had $2.1 billion in assets at June 30, 2026, up 11.0% from a year earlier. It holds common equity equal to 9.75% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it keeps 4.26 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents). It has also been growing, with assets up 11.0% in a year.
The non-owner-occupied commercial real estate book ($400 million) is worsening: 2.01% of it is past due or on nonaccrual, up from 0.62% a year earlier. Net income for the quarter slipped 16% from a year earlier, to $6.6 million. Credit is the area to watch: it carries problem assets equal to 8.4% of the capital and reserves that would absorb them, 2.3 times the median of 3.6% for banks its size.
As of June 30, 2026, Peoples National Bank, N.A. reported a CET1 capital ratio of 9.75%, a return on assets of 1.32%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 8.37%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 520 S 42nd St, Mount Vernon, IL 62864
- County
- Jefferson
- Metro Area
- Mount Vernon, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 1, 1909
- Offices
- 24 domestic
- Employees (FTE)
- 274
- Domestic deposits
- $1.84B
- Allowance for credit losses
- $21.9M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $2.01B
- Average total loans
- $1.80B
- Average interest-bearing deposits
- $1.44B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3809
- Fed RSSD
- 375043
- SEC CIK
- 1834761 → filed by MARKET STREET BANCSHARES, INC.
- Website
- www.peoplesnationalbank.com →
- Parent Holding Company
- MARKET STREET BANCSHARES, INC. (RSSD 1250437)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Peoples National Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Peoples National Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Peoples National Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.75% | 1.32% | 1.21% | 8.37% | 4.26% |
| Q1 2026 | 9.92% | 1.64% | 1.37% | 9.56% | 4.10% |
| Q4 2025 | 9.75% | 1.76% | 1.42% | 7.24% | 4.26% |
| Q3 2025 | 9.56% | 1.53% | 2.23% | 11.29% | 4.04% |
| Q2 2025 | 9.72% | 1.69% | 2.10% | 7.64% | 3.96% |
| Q1 2025 | 9.82% | 1.30% | 2.13% | 7.54% | 3.74% |
| Q4 2024 | 9.68% | 1.52% | 1.45% | 8.45% | 3.81% |
| Q3 2024 | 9.66% | 0.99% | 1.55% | 9.03% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 23 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mcleansboro Branch | Mcleansboro , IL | 62859 | $403.9M |
| Mount Vernon Branch | Mount Vernon , IL | 62864 | $256.2M |
| Salem Branch | Salem , IL | 62881 | $171.8M |
| Centralia Branch | Centralia , IL | 62801 | $138.1M |
| Harrisburg Main Branch | Harrisburg , IL | 62946 | $116.4M |
| Benton Branch | Benton , IL | 62812 | $113.8M |
| Marion Branch | Marion , IL | 62959 | $107.2M |
| Fairfield Branch | Fairfield , IL | 62837 | $99.2M |
| Clayton Branch | Clayton , MO | 63105 | $94.5M |
| Centralia West Branch | Centralia , IL | 62801 | $81.7M |
| Mt Vernon East Branch | Mount Vernon , IL | 62864 | $68.5M |
| Carmi Branch | Carmi , IL | 62821 | $46.6M |
| Dahlgren Branch | Dahlgren , IL | 62828 | $41.0M |
| Town & Country Branch | Town And Country , MO | 63017 | $37.3M |
| Hampton Branch | Saint Louis , MO | 63139 | $23.6M |
| Eldorado Branch | Eldorado , IL | 62930 | $18.9M |
| West Frankfort Branch | West Frankfort , IL | 62896 | $9.7M |
| Herrin Branch | Herrin , IL | 62948 | $6.6M |
| Harrisburg Branch | Harrisburg , IL | 62946 | $5.7M |
| Marion East Branch | Marion , IL | 62959 | $2.1M |
| Shawneetown Branch | Shawneetown , IL | 62984 | $643K |
| Drive-Up Facility | Mcleansboro , IL | 62859 | $0 |
| Peoples National Bank , N.A. | Mount Vernon , IL | 62864 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 15, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 14, 1995 | Structure Change | Acquired Wayne County Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Peoples National Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action February 9, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IL, rank 52 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 520 applications, 378 loans originated, $75.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $10.0M approved, $909K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Peoples National Bank, N.A.
What are Peoples National Bank, N.A.'s total assets?
As of the Q2 2026 filing, Peoples National Bank, N.A. reported total assets of $2.08 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples National Bank, N.A. headquartered?
Peoples National Bank, N.A. is headquartered in Mount Vernon, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Peoples National Bank, N.A. founded?
Peoples National Bank, N.A. was established in 1909, per the FDIC institution directory.
Is Peoples National Bank, N.A. FDIC-insured?
Yes. Peoples National Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples National Bank, N.A.?
Peoples National Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples National Bank, N.A.'s CET1 capital ratio?
Peoples National Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 9.75% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples National Bank, N.A. operate?
Peoples National Bank, N.A. operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples National Bank, N.A.'s Texas Ratio?
Peoples National Bank, N.A.'s Texas Ratio is 8.37% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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