Peoples National Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples National Bank, N.A. of Mount Vernon, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.46% | -0.14% | 53rd above |
| ROAE | 14.82% | 12.71% | +2.11% | 69th above |
| Net Interest Margin | 4.26% | 3.85% | +0.41% | 81st top |
| Efficiency Ratio | 62.09% | 57.40% | +4.69% | 39th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.75% | 1.88% | -0.13% | 52nd above |
| Yield on Earning Assets | 6.24% | 5.72% | +0.52% | 83rd top |
| Cost of Funds | 2.08% | 2.02% | +0.06% | 46th below |
| Net Interest Spread | 3.71% | 3.18% | +0.53% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 1.00% | +0.21% | 27th below |
| NPA / Total Assets | 1.13% | 0.76% | +0.37% | 20th bottom |
| NCO / Avg Loans | 0.48% | 0.43% | +0.05% | 10th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.31% | -0.12% | 58th above |
| ACL / NPLs (Coverage) | 98.69% | 543.72% | -445.03% | 29th below |
| Texas Ratio | 11.74% | 7.39% | +4.35% | 18th bottom |
| Provision / NCO | 113.64% | 619.08% | -505.44% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.75% | 17.34% | -7.59% | 0th bottom |
| Tier 1 Ratio | 9.75% | 17.38% | -7.63% | 0th bottom |
| Total Capital Ratio | 10.93% | 18.43% | -7.50% | 1st bottom |
| Leverage Ratio | 9.26% | 11.44% | -2.18% | 17th bottom |
| Equity / Assets | 8.61% | 11.34% | -2.73% | 14th bottom |
| TCE / Tangible Assets | 8.61% | 10.50% | -1.89% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.75% | 86.94% | +12.81% | 18th bottom |
| Core Deposit Ratio | 82.02% | 85.56% | -3.54% | 25th below |
| Uninsured Deposit Ratio | 26.41% | 33.13% | -6.72% | 67th above |
| Wholesale Funding Ratio | 2.30% | 5.71% | -3.41% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.05% | 9.68% | +1.37% | 79th top |
| Loan Growth (Y/Y) | 8.63% | 8.06% | +0.57% | 68th above |
| Deposit Growth (Y/Y) | 8.25% | 7.87% | +0.38% | 68th above |
See Peoples National Bank, N.A.'s peers by name
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Unlock Peoples National Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples National Bank, N.A. profile, how to read a UBPR, or how this data updates.