Headquartered in Pana, Illinois, Peoples Bank & Trust is a state-chartered bank with $656.6M in total assets and $522.2M in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1954.
Peoples Bank & Trust has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 226th. Earnings contributes the most (100/100, 2.16%); loan quality contributes the least (47/100, 1.58%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (66 → 64), mostly because the loan quality component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 61 |
| Q4 2024 | 67 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 61 |
| Q4 2025 | 58 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.01% |
| Q3 2024 | 9.40% |
| Q4 2024 | 9.90% |
| Q1 2025 | 9.94% |
| Q2 2025 | 10.20% |
| Q3 2025 | 8.81% |
| Q4 2025 | 8.61% |
| Q1 2026 | 9.03% |
| Q2 2026 | 10.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 1.43% |
| Q4 2024 | 0.55% |
| Q1 2025 | 1.44% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.58% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.92% |
| Q3 2024 | 1.90% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.97% |
| Q2 2025 | 2.03% |
| Q3 2025 | 1.78% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.96% |
| Q2 2026 | 2.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $656.6M | 10.73% | 1.58% | 2.16% | 80.2% |
| Q1 2026 | 63 | $611.5M | 9.03% | 1.16% | 1.96% | 82.9% |
| Q4 2025 | 58 | $618.1M | 8.61% | 1.17% | 1.59% | 83.0% |
| Q3 2025 | 61 | $625.1M | 8.81% | 1.16% | 1.78% | 76.1% |
| Q2 2025 | 66 | $591.3M | 10.20% | 1.34% | 2.03% | 78.3% |
| Q1 2025 | 64 | $592.2M | 9.94% | 1.44% | 1.97% | 82.5% |
| Q4 2024 | 67 | $592.3M | 9.90% | 0.55% | 1.42% | 84.8% |
| Q3 2024 | 61 | $614.3M | 9.40% | 1.43% | 1.90% | 80.1% |
| Q2 2024 | 70 | $603.9M | 10.01% | 0.81% | 1.92% | 80.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Stillman BancCorp N.A.Bank Stillman Valley, IL | 66 out of 100, Moderate | $645.6M | 9.2% | 0.65% | vs |
| Legence BankBank Eldorado, IL | 70 out of 100, Strong | $642.9M | 9.5% | 1.17% | vs |
| Bank & Trust CompanyBank Litchfield, IL | 75 out of 100, Strong | $641.3M | 11.3% | 0.37% | vs |
| TrustBankBank Olney, IL | 68 out of 100, Moderate | $640.2M | 9.8% | 0.73% | vs |
| Apple River State BankBank Apple River, IL | 74 out of 100, Strong | $675.2M | 9.7% | 0.24% | vs |
Deposit insurance
Is my money safe at Peoples Bank & Trust?
Yes. Peoples Bank & Trust is an FDIC-insured institution (FDIC certificate #17320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.2% of deposits ($225.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.52% (benchmark: 10%).
14 locations
Branches
Peoples Bank & Trust lists 10 offices in 10 cities. Most locations:
- Altamont, IL (1)
- Arcola, IL (1)
- Arthur, IL (1)
- Charleston, IL (1)
- Pana, IL (1)
- Springfield, IL (1)
- Taylorville, IL (1)
- Tuscola, IL (1)
- Waverly, IL (1)
- White Hall, IL (1)
Identity & history
Profile
- Legal name
- Peoples Bank & Trust
- Former names
- Peoples Bank of Pana; Peoples Bank & Trust of Pana
- Type
- State-chartered bank
- FDIC certificate #
- 17320
- RSSD ID
- 922344
- Primary regulator
- FDIC
- Holding company
- People First Bancshares Inc
- Established
- May 1, 1954
- Headquarters
- 200 S Locust St, Pana, IL 62557
- Website
- www.bankpbt.com
- Employees
- 83
Quick answers
Peoples Bank & Trust: common questions
Is Peoples Bank & Trust FDIC insured?
Yes. Peoples Bank & Trust is an FDIC-insured institution (FDIC certificate #17320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank & Trust's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Bank & Trust ever failed?
There is no failure record for FDIC certificate #17320 in the FDIC failed bank list.
How many branches does Peoples Bank & Trust have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
| First State Bank of Beecher CityBank Beecher City, IL | 88 out of 100, Very strong | $112.2M | 16.0% | 0.81% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Citizens Bank of EdinburgBank Edinburg, IL | 79 out of 100, Strong | $29.0M | 11.9% | 0.00% | vs |