Side-by-side · Q2 2026 data
Peoples National Bank , N.A. vs Legence Bank
Metric by metric
| Measure | Peoples National Bank , N.A. | Legence Bank |
|---|---|---|
| TellerScore | 62 | 70 (stronger) |
| Capital cushion | 43 | 45 (stronger) |
| Loan quality | 72 (stronger) | 61 |
| Earnings | 79 | 98 (stronger) |
| Funding & liquidity | 49 | 84 (stronger) |
| Problem-loan coverage | 83 | 86 (stronger) |
| Peer percentile | 27th | 43rd |
| Total assets | $2.1B | $642.9M |
| Deposits / shares | $1.8B | $573.6M |
| Capital ratio | 9.26% | 9.55% (stronger) |
| Problem loans | 0.84% (stronger) | 1.17% |
| Net charge-offs | 0.23% (stronger) | 0.44% |
| Return on assets | 1.46% | 1.96% (stronger) |
| Loans ÷ deposits | 98.6% | 69.0% (stronger) |
| Uninsured deposits | 26.4% | 21.2% (stronger) |
| Offices | 20 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 19.3% |
Legence Bank has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Peoples National Bank , N.A. leads on 2 and Legence Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Harrisburg, IL
- Marion, IL
- Mount Vernon, IL
- Benton, IL
- Eldorado, IL