Peoples National Bank , N.A.
Mount Vernon, Illinois, Jefferson County
$2.1B in total assets, the 600th largest of 4,309 US banks and 37th of 328 headquartered in Illinois.
- FDIC certificate
- 3809
- Established
- 1909
- Owned by
- Market Street Bancshares Inc
- Primary regulator
- OCC
- Website
- www.peoplesnationalbank.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.1B | 36% | $2.7B | |
| Loans | $1.8B | 44% | $2.1B | |
| Deposits | $1.8B | 36% | $2.3B | |
| Return on assets | 1.56% | 78% | 1.39% | |
| Net interest margin | 4.17% | 88% | 3.53% | |
| Efficiency ratio | 62.1% | 74% | 51.0% | |
| Equity to assets | 8.61% | 16% | 10.00% | |
| Loans to deposits | 100% | 92% | 86% |
Growth
Total assets grew 7.2% a year over the last 5 years and 7.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2004 | Bank of Kimberling City Kimberling City, MO | $126M |
| Dec 1995 | Wayne County Bank and Trust Company Fairfield, IL, an affiliate under the same holding company | $55M |
Where they operate
23 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hamilton County, IL | $445M | 83.9% | 1 of 2 |
| Jefferson County, IL | $325M | 30.1% | 1 of 9 |
| Marion County, IL | $310M | 29.2% | 1 of 12 |
| Saline County, IL | $141M | 15.3% | 4 of 7 |
| St. Louis County, MO | $132M | 0.3% | 35 of 55 |
| Franklin County, IL | $123M | 14.9% | 3 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (23 branches then and now). 3 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 23 | |||
| 2016 | Opened Eldorado | 1 | 0 | +1 | 24 |
| 2018 | Closed Equality | 0 | 1 | −1 | 23 |
| 2021 | Opened Town And CountryClosed Benton and Carterville | 1 | 2 | −1 | 22 |
| 2024 | Opened Shawneetown | 1 | 0 | +1 | 23 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 28% | |
| Business (C&I) | 22% | 26% | |
| Farmland | 18% | 3% | |
| Agricultural | 8% | 1% | |
| 1-4 family residential | 7% | 14% | |
| Multifamily | 5% | 9% | |
| Construction and land | 3% | 7% | |
| Consumer | 0% | 6% | |
| Other | 1% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 43% | 55% | |
| Time deposits | 37% | 24% | |
| Noninterest-bearing | 19% | 21% |
Brokered deposits are 9.2% of deposits (peers 7.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.84% | 0.49% |
| Net charge-offs, annualized | 0.23% | 0.07% |
| Reserves to loans | 1.19% | 1.07% |
| Leverage ratio | 9.26% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Hamilton 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-national-bank-mount-vernon-il