Peoples Bank & Trust (Pana, IL)
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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
- Holding company
- PEOPLE FIRST BANCSHARES, INC.
- Asset rank in state
- 80th of 319 in Illinois
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
- Website
- http://www.bankpbt.com →
- Parent Holding Company
- PEOPLE FIRST BANCSHARES, INC. (RSSD 1209480)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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
$656.6M total assets against $591.3M; $586.7M total liabilities against $531.1M.
$418.6M net loans and leases against $383.4M; $522.2M total deposits against $489.8M.
$184.8M securities against $147.7M; $14.0M cash and balances due against $22.4M.
$9.7M total interest income against $8.7M; $1.7M total interest expense against $1.9M.
$8.0M net interest income against $6.9M.
$987K total noninterest income against $845K; $4.0M total noninterest expense against $3.8M.
-$69K provision for credit losses against -$270K.
$3.8M net income against $3.1M.
2.42% return on assets against 2.09%; 5.53% net interest margin against 5.02%.
16.48% CET1 capital ratio against 16.17%; 10.73% tier 1 leverage ratio against 10.20%.
Inside the full Peoples Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank & Trust rankings
Its closest position to the top of a national ranking is 191 of 3,611, for ROA; its furthest is 1,435 of 4,196, for total assets.
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.
| 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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