Peoples National Bank , N.A.
Mount Vernon, IL
IDRSSD: 375043
Total Assets
$2.00B
Latest filing
Total Deposits
$1.77B
Latest filing
Net Interest Margin
4.33%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples National Bank , N.A.
520 S 42nd St
Mount Vernon, IL 62864
Limited Service - Administrative
Updated 01/30/2026Established 03/01/1909FDIC Certificate 2470
Branches (24)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Peoples National Bank , N.A. (Main) | 520 S 42nd St | Mount Vernon, IL |
| DAHLGREN BRANCH | 201 West Main Street | Dahlgren, IL |
| FAIRFIELD BRANCH | 1001 W Delaware St | Fairfield, IL |
| DRIVE-UP FACILITY | 202 E Randolph St | Mcleansboro, IL |
| MOUNT VERNON BRANCH | 413 S 34th St | Mount Vernon, IL |
| HARRISBURG MAIN BRANCH | 445 N Commercial St | Harrisburg, IL |
| SALEM BRANCH | 102 Cross Creek Blvd | Salem, IL |
| CENTRALIA BRANCH | 400 E Broadway | Centralia, IL |
Showing 7 of 24
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/01/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62864 |
| State and County Number | 17081 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Mount Vernon, IL |
Operational Info
| Number of Employees | 271 |
| Domestic Offices | 25 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.peoplesnationalbank.com |
| Data Updated | 01/30/2026 |
| CERT | 3809 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.00B |
| Total Deposits | $1.77B |
| Total Liabilities | $1.82B |
| Total Equity Capital | $175.88M |
| Net Income | $8.79M |
| Net Loans and Leases | $1.79B |
| Assets Per Employee ($Millions) | $7.24M |
| Bank Premises and Fixed Assets | $29.37M |
| Cash and Balances due from Depository Institutions | $30.48M |
| Deposits Held in Domestic Offices | $1.77B |
Key Performance Ratios
| Return on Assets (ROA) | 1.78% |
| Return on Equity (ROE) | 20.51% |
| Net Interest Margin | 4.33% |
| Efficiency Ratio | 55.18% |
| Tier 1 Risk-Based Capital Ratio | 9.755% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.805% |
| Earning Assets to total Assets | 94.12% |
Income and Expense
| Total Interest Income | $30.43M |
| Total Noninterest Income | $3.60M |
| Total Interest Expense | $10.30M |
| Total Noninterest Expense | $13.09M |
| Net Interest Income | $20.13M |
| Pre-tax Net Operating Income | $8.84M |
| Provision for Credit Losses | $1.79M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.02M |
| Other borrowed funds | $44.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $765.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.28M |
| Total Liabilities and Capital | $2.00B |
Securities
| Securities | $84.57M |
| Available-for-sale debt securities | $84.57M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples National Bank , N.A.?
$2.00B as of the latest filing.
How much are Peoples National Bank , N.A.'s total deposits?
$1.77B in total deposits.
Where is Peoples National Bank , N.A. located?
Mount Vernon, IL.
What is the Net Interest Margin?
4.33%.
How many domestic offices does it operate?
25.
When was it established?
03/01/1909.
What is the Return on Assets (ROA)?
1.78%.
How much are total loans and leases?
$1.79B (latest filing).
What is the total interest income (latest filing)?
$30.43M.