Headquartered in Mount Vernon, Illinois, Peoples National Bank , N.A. is a national bank with $2.1B in total assets and $1.8B in deposits as of Q2 2026. It operates 24 offices across 2 states. Its charter dates back to 1909.
Based on its Q2 2026 filing, Peoples National Bank , N.A. scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 236th. Its strongest component is problem-loan coverage (83/100; 8.4%), and its lowest is capital cushion (43/100; 9.26%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 62).
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 57 |
| Q4 2024 | 59 |
| Q1 2025 | 61 |
| Q2 2025 | 62 |
| Q3 2025 | 59 |
| Q4 2025 | 64 |
| Q1 2026 | 62 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.01% |
| Q3 2024 | 9.17% |
| Q4 2024 | 9.07% |
| Q1 2025 | 9.09% |
| Q2 2025 | 9.19% |
| Q3 2025 | 9.09% |
| Q4 2025 | 9.17% |
| Q1 2026 | 9.18% |
| Q2 2026 | 9.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.80% |
| Q3 2025 | 1.11% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.99% |
| Q2 2026 | 0.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.47% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.56% |
| Q1 2026 | 1.65% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $2.1B | 9.26% | 0.84% | 1.46% | 98.6% |
| Q1 2026 | 62 | $2.0B | 9.18% | 0.99% | 1.65% | 97.4% |
| Q4 2025 | 64 | $2.0B | 9.17% | 0.68% | 1.56% | 101.1% |
| Q3 2025 | 59 | $2.0B | 9.09% | 1.11% | 1.49% | 97.8% |
| Q2 2025 | 62 | $1.9B | 9.19% | 0.80% | 1.47% | 98.2% |
| Q1 2025 | 61 | $1.9B | 9.09% | 0.79% | 1.27% | 96.7% |
| Q4 2024 | 59 | $1.9B | 9.07% | 0.85% | 1.19% | 96.0% |
| Q3 2024 | 57 | $1.8B | 9.17% | 0.97% | 1.08% | 98.2% |
| Q2 2024 | 61 | $1.7B | 9.01% | 0.60% | 1.13% | 100.2% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Marquette BankBank Chicago, IL | 66 out of 100, Moderate | $2.1B | 8.4% | 0.10% | vs |
| American Commercial Bank & Trust, National AssociationBank Ottawa, IL | 66 out of 100, Moderate | $2.1B | 9.3% | 0.29% | vs |
| Blackhawk Bank & TrustBank Milan, IL | 76 out of 100, Strong | $2.0B | 10.5% | 0.09% | vs |
| Bank of SpringfieldBank Springfield, IL | 55 out of 100, Moderate | $2.0B | 9.2% | 1.43% | vs |
| First Bank ChicagoBank Highland Park, IL | 52 out of 100, Below average | $2.2B | 9.1% | 1.09% | vs |
| Crystal Lake Bank and Trust Company, National AssociationBank Crystal Lake, IL | 70 out of 100, Strong | $2.3B | 9.7% | 0.34% | vs |
Deposit insurance
Is my money safe at Peoples National Bank , N.A.?
Yes. Peoples National Bank , N.A. is an FDIC-insured institution (FDIC certificate #3809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.4% of deposits ($487.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.26%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.93% (benchmark: 10%).
24 locations
Branches
Peoples National Bank , N.A. lists 20 offices in 16 cities across 2 states. Most locations:
- Centralia, IL (2)
- Harrisburg, IL (2)
- Marion, IL (2)
- Mount Vernon, IL (2)
- Benton, IL (1)
- Carmi, IL (1)
- Clayton, MO (1)
- Dahlgren, IL (1)
- Eldorado, IL (1)
- Fairfield, IL (1)
- Herrin, IL (1)
- Mcleansboro, IL (1)
HMDA 2025
Mortgage lending
In 2025, Peoples National Bank , N.A. reported 516 home-loan applications under HMDA (LEI 549300U8L31JJT1ZDP60): 378 originated ($75,320,000 total), 62 denied, and 65 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Peoples National Bank , N.A.
- Former names
- The Peoples National Bank of McLeansboro
- Type
- National bank
- FDIC certificate #
- 3809
- RSSD ID
- 375043
- Primary regulator
- OCC
- Holding company
- Market Street Bancshares Inc
- Established
- March 1, 1909
- Headquarters
- 520 S 42nd St, Mount Vernon, IL 62864
- Website
- www.peoplesnationalbank.com
- Employees
- 274
Quick answers
Peoples National Bank , N.A.: common questions
Is Peoples National Bank , N.A. FDIC insured?
Yes. Peoples National Bank , N.A. is an FDIC-insured institution (FDIC certificate #3809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples National Bank , N.A.'s TellerScore?
62 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 National Bank , N.A. ever failed?
There is no failure record for FDIC certificate #3809 in the FDIC failed bank list.
How many branches does Peoples National Bank , N.A. have?
24 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Mount Vernon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Genfed Financial Credit UnionCredit union Akron, OH | 79 out of 100, Strong | $335.9M | 16.8% | 1.38% | vs |
| The Farmers and Merchants National Bank of NashvilleBank Nashville, IL | 78 out of 100, Strong | $270.3M | 11.6% | 0.61% | vs |
| Du Quoin State BankBank Du Quoin, IL | 78 out of 100, Strong | $148.2M | 10.8% | 0.00% | vs |
| Farmers State Bank of HoffmanBank Hoffman, IL | 77 out of 100, Strong | $232.1M | 11.9% | 0.17% | vs |
| Community First Bank of the HeartlandBank Mount Vernon, IL | 76 out of 100, Strong | $266.8M | 10.1% | 0.66% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |