Peoples National Bank of Kewanee
Also written as PNB of Kewanee
BankRegReports is independent of Peoples National Bank of Kewanee and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Peoples National Bank of Kewanee is an FDIC-insured commercial bank headquartered in Kewanee, IL, supervised by the OCC, with $587.6M in total assets at Q2 2026, up 2.2% from Q2 2025, the 88th largest of 319 banks headquartered in Illinois. It was established in 1928 and holds FDIC certificate 926. Its CET1 capital ratio was 15.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 926
- Headquarters
- Kewanee, IL
- Established
- 1928
- Total assets, Q2 2026
- $587.6M
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 15.68%
- Domestic offices
- 10 · Peoples National Bank of Kewanee branches FDIC institution directory, current count
- Routing number
- 071102487
- Safety and soundness
- Is Peoples National Bank of Kewanee safe?
- Latest call report
- Q2 2026, FFIEC 051 · Peoples National Bank of Kewanee call report
- Holding company
- PEOPLES FINANCIAL CORP. OF ILLINOIS, INC.
- Asset rank in state
- 88th of 319 in Illinois
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 2,627 banks with $100 million to $1 billion in assets (median 3.96 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 2.7% 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples National Bank of Kewanee is the 88th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $587.6M, loans fell 5.2% and deposits fell 0.6%. Non-owner-occupied commercial real estate loans made up 20.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.5%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in IL; its Kewanee 2 offices book 31% of its branch deposits. On its Q2 2026 call report, Peoples National Bank of Kewanee meets every capital ratio test for well capitalized.
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
- Domestic offices
- 10 FDIC institution directory, current count
- 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
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
Peoples National Bank of Kewanee's total assets moved between a low of $535.9M (Q3 2023) and a high of $589.8M (Q3 2025) from Q3 2023 to 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
$587.6M total assets against $575.1M; $528.9M total liabilities against $525.7M.
$161.1M net loans and leases against $174.5M; $517.0M total deposits against $513.4M.
$358.5M securities against $343.7M; $47.0M cash and balances due against $34.4M.
$6.0M total interest income against $6.2M; $2.2M total interest expense against $2.4M.
$3.9M net interest income against $3.8M.
$313K total noninterest income against $333K; $2.5M total noninterest expense against $2.5M.
$226K provision for credit losses against $39K.
$1.3M net income against $1.4M.
0.85% return on assets against 0.96%; 2.84% net interest margin against 2.81%.
15.68% CET1 capital ratio against 14.42%; 10.86% tier 1 leverage ratio against 10.28%.
Inside the full Peoples National Bank of Kewanee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 193 of 3,640, for Texas Ratio; its furthest is 2,795 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.31% (Q3 2024) to 0.96% (Q2 2025) and its net interest margin ran from 2.39% (Q3 2024) to 2.86% (Q3 2025).
| 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
View all 10 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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 379 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Peoples National Bank of Kewanee’s latest filed figures and updates each quarter.
Similar banks
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.
Where is Peoples National Bank of Kewanee headquartered?
It is headquartered in Kewanee, IL, United States.
When was Peoples National Bank of Kewanee founded?
It was established in 1928, per the FDIC institution directory.
Is Peoples National Bank of Kewanee FDIC-insured?
Yes. It 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.
What is Peoples National Bank of Kewanee's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 19.03% 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.
Go deeper on Peoples National Bank of Kewanee.
Get an email when Peoples National Bank of Kewanee files its next call report, and benchmark it against any peer you choose.
Unlock Peoples National Bank of Kewanee, freeFree account