Banks PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION

PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION

MOUNT VERNON, IL Large Est. March 1, 1909, midnight FDIC #3809 RSSD #375043 OCC
Latest · 2025-12-31

PEOPLES NATIONAL BANK, NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in MOUNT VERNON, IL, established in March 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $2.0B and total deposits of $1.8B. Profitability stands at 1.78% ROA and 20.51% ROE, with a net interest margin of 4.43%. CET1 capital ratio: 9.75%. NPL ratio: 0.68% · Texas Ratio: 7.24%.

Assets
$2.0B
Deposits
$1.8B
Loans
$1.8B
Equity
$176M

Profitability

Return on Assets (ROA)1.78%
Return on Equity (ROE)20.51%
Net Interest Margin4.43%
Yield on Assets6.70%
Cost of Funds2.27%

Asset Quality

NPL Ratio0.68%
Net Charge-Off Ratio0.09%
Texas Ratio7.24%
NPA Ratio0.72%
ACL / Loans1.20%

Capital & Liquidity

CET1 Ratio9.75%
Tier 1 Capital9.75%
Total Capital Ratio10.89%
Leverage Ratio9.17%
Loan-to-Deposit102.37%

This is just the summary.

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