Peoples National Bank of Kewanee: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Peoples National Bank of Kewanee. Based in Kewanee, Illinois, it had $588 million in assets at June 30, 2026, up 2.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.15% of loans from 2.67% a year earlier. It keeps 2.84 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 19.0% of the capital and reserves that would absorb them, 7.2 times the median of 2.6% for banks its size.
The non-owner-occupied commercial real estate book ($33 million) is worsening: 22.43% of it is past due or on nonaccrual, up from 5.86% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 7.5% and deposits rose 0.7%. Profitability lags: it earns about $0.85 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Peoples National Bank of Kewanee reported a CET1 capital ratio of 15.68%, a return on assets of 0.85%, a nonperforming-loan ratio of 6.15% and a Texas ratio of 19.03%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 207 N Tremont St, Kewanee, IL 61443
- County
- Henry
- Metro Area
- Davenport-Moline-Rock Island, IA-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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1928
- Offices
- 10 domestic
- Employees (FTE)
- 81
- Domestic deposits
- $517.0M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$19K
- Average total assets
- $600.2M
- Average total loans
- $170.0M
- Average interest-bearing deposits
- $421.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 926
- Fed RSSD
- 823133
- Website
- www.pnb-kewanee.com →
- Parent Holding Company
- PEOPLES FINANCIAL CORP. OF ILLINOIS, INC. (RSSD 1491801)
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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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 of Kewanee terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Peoples National Bank of Kewanee, 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Peoples National Bank of Kewanee 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.
Metric pages for Peoples National Bank of Kewanee: Texas 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 | 15.68% | 0.85% | 6.15% | 19.03% | 2.84% |
| Q1 2026 | 15.11% | 0.63% | 5.07% | 16.93% | 2.77% |
| Q4 2025 | 14.91% | 0.93% | 3.14% | 10.44% | 2.84% |
| Q3 2025 | 14.67% | 0.85% | 3.73% | 12.89% | 2.86% |
| Q2 2025 | 14.42% | 0.96% | 2.67% | 10.30% | 2.81% |
| Q1 2025 | 14.15% | 0.45% | 3.30% | 13.33% | 2.59% |
| Q4 2024 | 14.07% | 0.53% | 3.33% | 15.30% | 2.49% |
| Q3 2024 | 14.12% | 0.31% | 4.56% | 18.91% | 2.39% |
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 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples National Bank of Kewanee (main office) | Kewanee , IL | 61443 | $161.4M |
| Dwight Branch | Dwight , IL | 60420 | $116.9M |
| Reynolds Branch | Reynolds , IL | 61279 | $74.2M |
| Manlius Branch | Manlius , IL | 61338 | $42.3M |
| Bradford Branch | Bradford , IL | 61421 | $41.5M |
| Sheffield Banking Center Branch | Sheffield , IL | 61361 | $31.1M |
| Seneca Branch | Seneca , IL | 61360 | $22.3M |
| Tampico Branch | Tampico , IL | 61283 | $15.7M |
| Annawan Banking Center Branch | Annawan , IL | 61234 | $11.5M |
| South Tenney Facility | Kewanee , IL | 61443 | $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 |
|---|---|---|---|
| February 27, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 27, 2021 | Structure Change | Acquired Reynolds State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2018 | Structure Change | Acquired The First National Bank of Dwight Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 10, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 10, 1994 | Structure Change | Acquired Bradford Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Peoples National Bank of Kewanee, 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
- 1 against the institution (OCC)
- October 18, 2004, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Peoples National Bank of Kewanee
- Period: Most recent institution action October 18, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 105 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 88 applications, 58 loans originated, $6.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.4M approved, $1.2M 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 of Kewanee
What are Peoples National Bank of Kewanee's total assets?
As of the Q2 2026 filing, Peoples National Bank of Kewanee reported total assets of $587.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples National Bank of Kewanee headquartered?
Peoples National Bank of Kewanee is headquartered in Kewanee, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Peoples National Bank of Kewanee founded?
Peoples National Bank of Kewanee was established in 1928, per the FDIC institution directory.
Is Peoples National Bank of Kewanee FDIC-insured?
Yes. Peoples National Bank of Kewanee is an FDIC-insured commercial bank (FDIC Certificate #926). 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 of Kewanee?
Peoples National Bank of Kewanee'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 of Kewanee's CET1 capital ratio?
Peoples National Bank of Kewanee reported a Common Equity Tier 1 (CET1) capital ratio of 15.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples National Bank of Kewanee operate?
Peoples National Bank of Kewanee operates 10 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 of Kewanee's Texas Ratio?
Peoples National Bank of Kewanee's Texas Ratio is 19.03% 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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