Peoples National Bank, National Association
Mount Vernon, IL · Cert 3809 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 81% of banks $1B-$10B in assets (rank 63 of 328).
- Widest gap: tier 1 capital ratio trails 97% of banks $1B-$10B in assets (rank 319 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.13%
Rank 193 of 328
Net Interest Margin
3.96%
Rank 63 of 328
Efficiency Ratio
62.07%
Rank 194 of 328
Equity / Assets
8.61%
Rank 281 of 328
Non-interest income vs. expense
Unfavorable gap of $44.7M · efficiency ratio beats 41% 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% | 0.91% | 1.22% | 1.52% | Beats 41% | 193 / 328 | |
| Return on Equity | 13.17% | 8.43% | 11.45% | 14.43% | Beats 65% | 114 / 328 | |
| Net Interest Margin | 3.96% | 3.03% | 3.45% | 3.83% | Beats 81% | 63 / 328 | |
| Efficiency Ratio | 62.07% | 51.61% | 59.56% | 67.53% | Beats 41% | 194 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.24% | 0.51% | 1.03% | Beats 32% | 221 / 322 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.03% | 0.10% | Beats 23% | 248 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 9.75% | 11.75% | 13.15% | 15.47% | Beats 3% | 319 / 328 | |
| Total Risk-Based Capital Ratio | 10.93% | 12.63% | 14.15% | 16.46% | Beats 8% | 302 / 328 | |
| Equity / Assets | 8.61% | 9.15% | 10.33% | 12.01% | Beats 14% | 281 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 99.75% | 76.63% | 87.92% | 95.36% | 85th pctl | 49 / 323 | |
| Loans / Assets | 88.27% | 65.18% | 74.15% | 79.98% | 97th pctl | 11 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |