Peoples Bank & Trust
Pana, Illinois, Christian County
$657M in total assets, the 1,473rd largest of 4,309 US banks and 82nd of 328 headquartered in Illinois.
- FDIC certificate
- 17320
- Established
- 1954
- Owned by
- People First Bancshares Inc
- Primary regulator
- FDIC
- Website
- http://www.bankpbt.com
At a glance
Compared with 211 banks headquartered in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $657M | 88% | $286M | |
| Loans | $423M | 86% | $174M | |
| Deposits | $522M | 85% | $237M | |
| Return on assets | 1.67% | 85% | 1.12% | |
| Net interest margin | 5.15% | 97% | 3.70% | |
| Efficiency ratio | 44.0% | 5% | 64.2% | |
| Equity to assets | 10.65% | 54% | 10.43% | |
| Loans to deposits | 81% | 63% | 76% |
Growth
Total assets grew 3.3% a year over the last 5 years and 5.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2024 | Arcola First Bank Arcola, IL | $121M |
| Dec 2012 | White Hall Bank White Hall, IL | $53M |
| Dec 2012 | Wemple State Bank Waverly, IL | $71M |
| Feb 1998 | Pana Federal Savings and Loan Association Pana, IL | $9M |
Where they operate
14 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Christian County, IL | $240M | 24.5% | 1 of 11 |
| Douglas County, IL | $86M | 11.7% | 5 of 8 |
| Coles County, IL | $70M | 2.8% | 7 of 12 |
| Effingham County, IL | $48M | 1.8% | 9 of 11 |
| Morgan County, IL | $39M | 3.8% | 9 of 11 |
| Greene County, IL | $27M | 6.3% | 5 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (11 to 14, +27.3%). 0 opened, 3 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 11 | |||
| 2024 | Acquired Arcola First Bank | 3 | 0 | +3 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 36% | 12% | |
| Commercial real estate | 18% | 23% | |
| Farmland | 18% | 13% | |
| Agricultural | 16% | 7% | |
| 1-4 family residential | 8% | 30% | |
| Multifamily | 1% | 6% | |
| Consumer | 1% | 4% | |
| Construction and land | 0% | 4% | |
| Other | 2% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 66% | 46% | |
| Noninterest-bearing | 27% | 19% | |
| Time deposits | 7% | 35% |
Brokered deposits are 0.2% of deposits (peers 2.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.28% | 0.50% |
| Net charge-offs, annualized | 0.01% | 0.01% |
| Reserves to loans | 0.96% | 1.14% |
| Leverage ratio | 10.73% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Christian County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/peoples-bank-trust-pana-il