Peoples National Bank, National Association
Mount Vernon, IL · Cert 3809 · Peer group: banks $1B-$10B in assets (n=311-317) · Market Street Bancshares Inc.
National charter · OCC · 23 branches
Q2 2026
$2.1BAssets
$1.8BLoans
$1.8BDeposits
$179.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 80% of banks $1B-$10B in assets (rank 64 of 317).
- Widest gap: tier 1 capital ratio trails 97% of banks $1B-$10B in assets (rank 307 of 317).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.13%
Rank 184 of 317
Net Interest Margin
3.96%
Rank 64 of 317
Efficiency Ratio
62.07%
Rank 186 of 317
Equity / Assets
8.61%
Rank 270 of 317
Non-interest income vs. expense
Unfavorable gap of $44.7M · efficiency ratio beats 42% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.93% | 1.22% | 1.51% | Beats 42% | 184 / 317 | |
| Return on Equity | 13.17% | 8.63% | 11.43% | 14.48% | Beats 65% | 112 / 317 | |
| Net Interest Margin | 3.96% | 3.06% | 3.45% | 3.83% | Beats 80% | 64 / 317 | |
| Efficiency Ratio | 62.07% | 51.90% | 59.69% | 67.53% | Beats 42% | 186 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.24% | 0.51% | 1.14% | Beats 33% | 208 / 311 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.04% | 0.12% | Beats 25% | 235 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 9.75% | 11.75% | 13.15% | 15.30% | Beats 3% | 307 / 317 | |
| Total Risk-Based Capital Ratio | 10.93% | 12.63% | 14.21% | 16.26% | Beats 8% | 293 / 317 | |
| Equity / Assets | 8.61% | 9.06% | 10.32% | 11.95% | Beats 15% | 270 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 99.75% | 76.63% | 88.04% | 95.67% | 85th pctl | 48 / 312 | |
| Loans / Assets | 88.27% | 65.41% | 74.05% | 79.71% | 97th pctl | 11 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |