C
Peoples National Bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
10.70
Leverage
Ratio
9.09
Return On
Assets
1.51%
Total
Assets
1.95B
Capital
166.98M
Total
Deposits
1.78B
Net
Income
21.27M
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Weiss Ratings Peoples National Bank, National Association
Mount Vernon, IL 		Click to
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Rating C
Asset Quality Index 3.70
Capitalization Index 7.10
Liquidity Index 0.60
Profitability Index 6.10
Stability Index 3.70
Company Info Peoples National Bank, National Association
Mount Vernon, IL 		Click to
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FDIC Number 3809
Phone Number (618) 241-6500
Website www.peoplesnationalbank.com
Asset Quality Peoples National Bank, National Association
Mount Vernon, IL 		Click to
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1-Year Asset Growth 8.38%
5-Year Asset Growth 11.57%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 2.10%
Non-Performing Loans to Capital 15.53%
Non-Performing Loans to Loans 2.23%
Balance Sheet Peoples National Bank, National Association
Mount Vernon, IL 		Click to
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Total Assets 1.95B
Total Deposits 1.78B
Capital and Reserves Peoples National Bank, National Association
Mount Vernon, IL 		Click to
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Capital 166.98M
Leverage Ratio 9.09
Loan Loss Reserves to Loans 1.20%
Risk-Based Capital Ratio 10.70
Liquidity Peoples National Bank, National Association
Mount Vernon, IL 		Click to
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Hot Money Ratio 27.77%
Liquidity Ratio 3.03%
Profitability Peoples National Bank, National Association
Mount Vernon, IL 		Click to
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5-Year Return on Average Assets 1.22%
Net Income 21.27M
Net Interest Spread 3.91%
Operating Profit to Average Assets 1.52%
Overhead Efficiency Ratio 62.38%
Return on Assets 1.51%
Return on Equity 17.69%