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Peoples Bank & Trust (Pana, IL)

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Pana, IL $100M to $1B in assets Est. May 1, 1954 FDIC #17320 RSSD #922344 Routing #071122535 FDIC

Data as of · sourced from FFIEC call reports. How we update

Peoples Bank & Trust is an FDIC-insured commercial bank headquartered in Pana, IL, established in 1954 (FDIC certificate 17320), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $656.6M, up 11.0% from Q2 2025, the 80th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 16.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Charter
Commercial bank
Regulator
FDIC
Deposit insurance
FDIC
FDIC certificate
17320
Headquarters
Pana, IL
Established
1954
Total assets, Q2 2026
$656.6M
Assets vs Q2 2025
+11.0%
CET1 ratio, Q2 2026
16.48%
Domestic offices
14 FDIC institution directory, current count
Routing number
071122535
Latest call report
Q2 2026, FFIEC 051 · Peoples Bank & Trust call report
Asset rank in state
80th of 319 in Illinois
Assets
$656.6M
Deposits
$522.2M
Loans
$422.7M
Equity
$69.9M

Problem loans are rising at Peoples Bank & Trust. Its balance sheet stood at $657 million at June 30, 2026, up 11.0% from a year earlier; it is based in Pana, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.28% of loans from 0.91% a year earlier. It earns about $2.42 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).

Net income for the quarter rose 23% from a year earlier, to $3.8 million. Its $151 million commercial and industrial book is improving, with 0.99% past due or on nonaccrual, down from 2.08% a year earlier. Credit is the area to watch: it carries problem assets equal to 7.9% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.

As of June 30, 2026, Peoples Bank & Trust reported a CET1 capital ratio of 16.48%, a return on assets of 2.42%, a nonperforming-loan ratio of 1.58% and a Texas ratio of 7.91%. The figures come from its call report filed with the FFIEC.

Of the 319 banks headquartered in Illinois, Peoples Bank & Trust is the 80th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 7.4% to $656.6M, loans rose 1.5% and deposits rose 5.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 35.6% of total loans, ahead of farmland and other real estate loans at 18.1%. The FDIC Summary of Deposits lists 14 offices for it, in 13 cities in IL; its Taylorville office books 26% of its branch deposits. Judged on its Q2 2026 call report, Peoples Bank & Trust meets every capital ratio test for well capitalized.

Headquarters Profile

Address
200 S Locust St, Pana, IL 62557
County
Christian
Metro Area
Taylorville, IL
Charter
Commercial bank, state charter, Fed non-member, FDIC-supervised
Primary Regulator
FDIC
FDIC Region
Chicago (Region 9)
Federal Reserve member
No
Federal Reserve district
District 7, Chicago
Fiduciary (trust) powers
Limited trust powers granted
Call Report form
FFIEC 051
Established
May 1, 1954
Former names
Peoples Bank & Trust of Pana (1978-1995); Peoples Bank of Pana (1976-1978)
Domestic offices
14 FDIC institution directory, current count
Employees (FTE)
83
Domestic deposits
$522.2M
Allowance for credit losses
$4.1M
Net charge-offs (YTD)
$19K
Average total assets
$624.3M
Average total loans
$399.9M
Average interest-bearing deposits
$352.5M
Tax status
C corporation
Ownership
Stock
Community bank
Yes
FDIC-insured since
May 1, 1954
FDIC Cert
17320
Fed RSSD
922344

Profitability

Q2 annualized
Return on Assets2.42%YTD 2.20%
Return on Equity23.67%YTD 22.11%
Net Interest Margin5.53%YTD 5.20%

Balance Sheet

Total liabilities$586.7M
Cash & balances due$14.0M
Securities, available-for-sale$184.8M
Securities, held-to-maturity$0
Goodwill & intangibles$2.1M

Income Statement

Net income Q2$3.8M
Net interest income YTD$15.0M
Total interest income YTD$18.3M
Total interest expense YTD$3.3M
Provision for credit losses YTD$212K

Operating & Funding

Total noninterest income YTD$2.4M
Total noninterest expense YTD$7.9M

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures

Quarterly trends

Over the 12 quarters to Q2 2026, Peoples Bank & Trust's total assets ran between $539.2M (Q3 2023) and $656.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$656.6M total assets against $591.3M; $586.7M total liabilities against $531.1M.

Loans and leases against deposits

$418.6M net loans and leases against $383.4M; $522.2M total deposits against $489.8M.

Securities and cash

$184.8M securities against $147.7M; $14.0M cash and balances due against $22.4M.

Interest income against interest expense

$9.7M total interest income against $8.7M; $1.7M total interest expense against $1.9M.

Net interest income

$8.0M net interest income against $6.9M.

Noninterest income against noninterest expense

$987K total noninterest income against $845K; $4.0M total noninterest expense against $3.8M.

Provision for credit losses

-$69K provision for credit losses against -$270K.

Net income

$3.8M net income against $3.1M.

Return on assets and net interest margin

2.42% return on assets against 2.09%; 5.53% net interest margin against 5.02%.

CET1 and Tier 1 leverage ratios

16.48% CET1 capital ratio against 16.17%; 10.73% tier 1 leverage ratio against 10.20%.

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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Quarterly trend: last 8 quarters

Across the 8 quarters to Q2 2026, its return on assets ran from 0.01% (Q4 2024) to 2.42% (Q2 2026) and its net interest margin ran from 4.60% (Q3 2024) to 5.53% (Q2 2026).

Quarter CET1 ROA NPL Texas NIM
Q2 2026 16.48% 2.42% 1.58% 7.91% 5.53%
Q1 2026 13.94% 1.97% 1.16% 6.23% 4.87%
Q4 2025 13.48% 1.01% 1.17% 6.48% 4.95%
Q3 2025 14.39% 1.31% 1.16% 5.49% 4.66%
Q2 2025 16.17% 2.09% 1.34% 6.10% 5.02%
Q1 2025 15.88% 1.94% 1.44% 6.95% 4.80%
Q4 2024 15.24% 0.01% 0.55% 3.63% 4.96%
Q3 2024 15.13% 1.80% 1.43% 10.10% 4.60%

Swipe the table sideways to see every column.

Branch Network

View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

1–14 of 14
Branch Location ZIP Deposits
Taylorville Branch Taylorville , IL 62568 $137.7M
Peoples Bank & Trust (main office) Pana , IL 62557 $92.4M
Charleston Il Branch Charleston , IL 61920 $70.0M
Altamont Branch Altamont , IL 62411 $47.6M
Arcola Bank Branch Arcola , IL 61910 $42.0M
197 West State Street Branch Waverly , IL 62692 $39.1M
102 South Main St Br White Hall , IL 62092 $26.9M
Arthur First Bank Branch Arthur , IL 61911 $25.2M
Tuscola First Bank Branch Tuscola , IL 61953 $18.7M
Mansion Road Branch Springfield , IL 62711 $11.6M
Morrisonville Branch Morrisonville , IL 62546 $9.9M
Palmyra Branch Palmyra , IL 62674 $1.2M
South Poplar Street Branch Pana , IL 62557 $0
Tower Hill Branch Tower Hill , IL 62571 $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
May 18, 2024 Structure Change Acquired Arcola First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank FFIEC NIC
May 17, 2024 Merger Participated in Absorption/Consolidation/Merger FDIC
December 8, 2012 Merger Participated in Absorption/Consolidation/Merger FDIC
December 8, 2012 Structure Change Acquired Wemple State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank FFIEC NIC
February 21, 1998 Structure Change Acquired Pana Federal Savings and Loan Association 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 5 events.

Regulatory record

Facts as filed or published, not a rating.

Deposit market share
<0.1% of deposits in IL, rank 104 of 379 institutions
Period: June 30, 2026. Source: FDIC Summary of Deposits.
Mortgage lending (HMDA)
44 applications, 34 loans originated, $4.3M originated, across 1 states
Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
SBA 7(a) lending
12 loans, $5.3M approved, $444K 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).
Not on file
Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Frequently asked about Peoples Bank & Trust

What are Peoples Bank & Trust's total assets?

As of the Q2 2026 filing, Peoples Bank & Trust reported total assets of $656.6 million in its FFIEC call report.

Where is Peoples Bank & Trust headquartered?

It is headquartered in Pana, IL, United States.

When was Peoples Bank & Trust founded?

It was established in 1954, per the FDIC institution directory.

Is Peoples Bank & Trust FDIC-insured?

Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Peoples Bank & Trust?

Peoples Bank & Trust's primary federal regulator is the FDIC.

What is Peoples Bank & Trust's CET1 capital ratio?

It reported a Common Equity Tier 1 (CET1) capital ratio of 16.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.

How many branches does Peoples Bank & Trust operate?

It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

What is Peoples Bank & Trust's Texas Ratio?

Its Texas Ratio is 7.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

What was Peoples Bank & Trust previously called?

The charter now named Peoples Bank & Trust has also operated as Peoples Bank & Trust of Pana (1978-1995), Peoples Bank of Pana (1976-1978), per FDIC structure-change records.

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