PEOPLES BANK & TRUST

PANA, IL | Medium | Est. May 1, 1954, midnight | FDIC #17320 | RSSD #922344 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in PANA, IL, established in May 1, 1954, midnight. As of 2025-12-31, the bank reported total assets of $618M and total deposits of $501M. Profitability stands at 0.99% ROA and 10.87% ROE, with a net interest margin of 4.87%. The bank's CET1 capital ratio is 13.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 8.10%. FDIC Certificate #17320.

Assets

$618M

Deposits

$501M

Loans

$420M

Equity

$57M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 10.87%
Net Interest Margin (NIM) 4.87%
Yield on Assets 6.19%
Cost of Funds 1.44%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio -0.03%
Texas Ratio 8.10%
NPA Ratio 0.79%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 13.48%
Tier 1 Capital 13.48%
Total Capital Ratio 14.52%
Leverage Ratio 8.61%
Loan-to-Deposit 83.75%

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