Peoples Bank & Trust (Pana, IL): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 16.48% was up 254bps from the prior quarter. Operating from Pana, IL, Peoples Bank & Trust serves its local market as an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Peoples Bank & Trust reported $657M in total assets against $522M in deposits. Profitability is strong, 2.42% ROA, paired with 23.67% ROE and a 5.53% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 16.48% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 1.10% nonperforming loans and a 9.80% Texas Ratio. Peoples Bank & Trust operates a 14-branch network.
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 1.10%, a Texas ratio of 9.80%, per financial data filed with the FFIEC.
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)
- Offices
- 14 domestic
- Employees (FTE)
- 83
- Domestic deposits
- $522.2M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $19K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Peoples Bank & Trust: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.48% | 2.42% | 1.10% | 9.80% | 5.53% |
| Q1 2026 | 13.94% | 1.97% | 1.16% | 8.65% | 4.87% |
| Q4 2025 | 13.48% | 1.01% | 1.17% | 9.00% | 4.95% |
| Q3 2025 | 14.39% | 1.31% | 1.14% | 8.47% | 4.66% |
| Q2 2025 | 16.17% | 2.09% | 1.27% | 8.95% | 5.02% |
| Q1 2025 | 15.88% | 1.94% | 1.44% | 9.75% | 4.80% |
| Q4 2024 | 15.24% | 0.01% | 0.55% | 4.14% | 4.96% |
| Q3 2024 | 15.13% | 1.80% | 1.09% | 10.10% | 4.60% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| 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
What the public regulatory sources show for Peoples Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 104 of 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank & Trust headquartered?
Peoples Bank & Trust is headquartered in Pana, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoples Bank & Trust founded?
Peoples Bank & Trust was established in 1954, per the FDIC institution directory.
Is Peoples Bank & Trust FDIC-insured?
Yes. Peoples Bank & Trust 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Bank & Trust's CET1 capital ratio?
Peoples Bank & Trust 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?
Peoples Bank & Trust 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?
Peoples Bank & Trust's Texas Ratio is 9.80% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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