Peoples National Bank N.a. Mortgage Rates, Fees & Info

Mount Vernon, IL

LEI: 549300U8L31JJT1ZDP60

Tax ID: 37-0458820

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Peoples National Bank N.a. is a smaller bank specializing in Home Purchase loans. Peoples National Bank N.a. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: St. Louis, Carbondale, Mount Vernon, Centralia, and Washington among others. We have data for 35 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Peoples National Bank N.a. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Peoples National Bank N.a. is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.84% 11/21/24
    30 Year Conventional Refi 6.64% 11/21/24
    30 Year Cash-out Refi 7.04% 11/21/24
    30 Year FHA Purchase 7.38% 11/21/24
    30 Year VA Purchase 6.49% 11/21/24
    30 Year USDA Purchase 6.95% 11/21/24
    15 Year Conventional Purchase 6.43% 11/21/24
    15 Year Conventional Refi 6.24% 11/21/24
    15 Year Cash-out Refi 6.24% 11/21/24
    15 Year FHA Refi 8.35% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Peoples National Bank N.a. Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Peoples National Bank N.a.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    689

    Origination Dollar Volume (All Markets)

    $108,635,000

    Employee count

    276 Show all (10) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ST. LOUIS, MO-IL (FHA|USDA|VA) 129 $35,245,000 $273,217 $3,259 4.73%
    Outside of Metro Areas 250 $27,020,000 $108,080 $1,893 4.98%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 108 $13,900,000 $128,704 $2,385 4.94%
    Mount Vernon, IL (FHA|USDA|VA) 88 $9,430,000 $107,159 $2,173 4.88%
    Centralia, IL (FHA|USDA|VA) 65 $5,685,000 $87,462 $2,005 4.94%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 10 $4,920,000 $492,000 $4,891 4.28%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,885,000 $628,333 $10,054 4.58%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $910,000 $455,000 $5,050 5.13%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 5 $795,000 $159,000 $3,911 4.80%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $740,000 $370,000 $3,100 4.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $615,000 $205,000 $2,224 4.83%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $605,000 $605,000 $7,730 4.50%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $515,000 $515,000 $2,702 5.13%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $485,000 $485,000 $4,140 4.63%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $485,000 $485,000 $20,573 4.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $405,000 $405,000 $7,852 4.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $405,000 $405,000 $14,650 4.25%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,753 4.88%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $365,000 $365,000 $3,584 5.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $365,000 $365,000 $2,517 4.50%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $335,000 $335,000 $3,206 4.63%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $325,000 $325,000 $2,064 4.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $315,000 $315,000 $3,676 4.75%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,963 4.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,229 4.75%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $295,000 $295,000 $3,963 4.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $3,113 4.88%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $285,000 $285,000 $2,448 4.00%
    Spearfish, SD (FHA|USDA|VA) 1 $285,000 $285,000 $2,841 4.00%
    TULSA, OK (FHA|USDA|VA) 1 $235,000 $235,000 $3,393 5.50%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,495 6.50%
    Scottsburg, IN (FHA|USDA|VA) 1 $135,000 $135,000 $2,193 4.75%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,482 3.50%
    Farmington, MO (FHA|USDA|VA) 1 $55,000 $55,000 $2,566 5.00%
    Effingham, IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,959 4.88%
    Peoples National Bank N.a.'s top markets include St. Louis, Carbondale, Mount Vernon, Centralia, and Washington among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Peoples National Bank N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Bank of Carbondale
    Similarity Rank: 40
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100
    Community Bank of Trenton
    Similarity Rank: 108
    First National Bank of Waterloo
    Similarity Rank: 200
    RELIANCE BANK
    Similarity Rank: 238
    CapGrow Home Mortgage, LLC
    Similarity Rank: 272
    JERSEY STATE BANK
    Similarity Rank: 354
    Farmers and Merchants Bank of St. Clair
    Similarity Rank: 408
    United Bank of Union
    Similarity Rank: 415
    HNB National Bank
    Similarity Rank: 576

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 584 $95,760,000 $163,973 $2,167 4.94%
    USDA 80 $6,110,000 $76,375 $3,081 4.63%
    FHA 15 $2,785,000 $185,667 $5,750 4.46%
    VA 10 $3,980,000 $398,000 $10,134 4.45%

    For 2018, Peoples National Bank N.a.'s most frequently originated type of loan was Conventional, with 584 originations. Their 2nd most popular type was USDA, with 80 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 540 $84,980,000 $157,370 $2,639 4.88%
    Refi 70 $13,430,000 $191,857 $1,842 4.89%
    Cash Out Refi 59 $8,695,000 $147,373 $2,150 4.83%
    Other 13 $1,255,000 $96,538 $1,786 4.96%
    Home Improvement 7 $275,000 $39,286 $1,356 5.95%

    For 2018, Peoples National Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 540 originations. The 2nd most popular reason was Refi, with 70 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 493 $87,365,000 $177,211 $2,682 4.78%
    15 Year 73 $8,205,000 $112,397 $1,822 4.47%
    20 Year 54 $5,980,000 $110,741 $1,947 5.19%
    Other 46 $4,690,000 $101,957 $1,621 6.05%
    1 Year 9 $1,835,000 $203,889 $0 5.71%
    10 Year 7 $325,000 $46,429 $1,676 4.77%
    5 Year 5 $145,000 $29,000 $957 6.00%
    3 Year 2 $90,000 $45,000 $0 6.88%

    For 2018, Peoples National Bank N.a.'s most frequently cited loan duration was 30 Year, with 493 originations. The 2nd most popular length was 15 Year, with 73 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 526 $86,780,000 $164,981
    $1k-2k 87 $10,205,000 $117,299
    $3k-4k 4 $2,000,000 $500,000
    $2k-3k 2 $1,270,000 $635,000

    Peoples National Bank N.a.'s average total fees were $2,682, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 526 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 444 $72,380,000 $163,018
    5-6% 171 $23,115,000 $135,175
    3-4% 42 $9,600,000 $228,571
    6-7% 26 $3,390,000 $130,385
    Over 8% 4 $120,000 $30,000
    7-8% 2 $30,000 $15,000

    During 2018, Peoples National Bank N.a.'s average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 4-5%, with 444 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 312 $18,790,000 $60,224 $2,085 5.06%
    $100k-200k 204 $29,170,000 $142,990 $2,202 4.79%
    $200k-400k 127 $34,305,000 $270,118 $2,947 4.70%
    $400k-600k 36 $17,330,000 $481,389 $4,824 4.61%
    $600k-1MM 6 $4,330,000 $721,667 $4,844 4.50%
    $1MM+ 4 $4,710,000 $1,177,500 $7,900 5.13%

    2018 saw Peoples National Bank N.a. place emphasis on $100,000 or less loans with 312 originations, totaling $18,790,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 188 $13,320,000 $70,851 $2,175 5.00%
    $50k-75k 157 $17,985,000 $114,554 $2,285 4.84%
    $75k-100k 117 $17,735,000 $151,581 $2,335 4.82%
    $100k-150k 100 $22,110,000 $221,100 $2,782 4.78%
    $150k-250k 59 $19,135,000 $324,322 $4,003 4.84%
    $250k+ 27 $11,775,000 $436,111 $2,797 4.55%

    Peoples National Bank N.a. lent most frequently to those with incomes in the $50k or less range, with 188 originations. The second most popular income band? $50k-75k, with 157 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 165 $23,295,000 $141,182 $2,299 4.75%
    30-36% 159 $26,705,000 $167,956 $2,574 4.80%
    <20% 69 $8,365,000 $121,232 $2,001 4.89%
    39% 28 $4,690,000 $167,500 $2,718 5.21%
    43% 25 $3,655,000 $146,200 $2,496 4.90%
    37% 23 $3,235,000 $140,652 $2,438 4.77%
    41% 23 $3,245,000 $141,087 $2,624 4.74%
    45% 20 $3,080,000 $154,000 $2,677 5.27%
    36% 20 $3,800,000 $190,000 $2,286 4.68%
    40% 17 $3,205,000 $188,529 $2,722 4.95%
    42% 16 $1,810,000 $113,125 $2,441 4.74%
    50-60% 16 $4,040,000 $252,500 $3,570 5.42%
    44% 15 $2,515,000 $167,667 $3,105 4.84%
    47% 14 $3,680,000 $262,857 $3,072 4.78%
    38% 14 $1,410,000 $100,714 $2,454 4.98%
    >60% 11 $1,085,000 $98,636 $2,167 5.42%
    49% 11 $3,115,000 $283,182 $3,648 4.69%
    48% 7 $1,245,000 $177,857 $1,901 4.98%
    46% 5 $925,000 $185,000 $2,057 4.68%

    Peoples National Bank N.a. lent most frequently to those with DTI ratios of 20-30%, with 165 originations. The next most common DTI ratio? 30-36%, with 159 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 624 $95,900,000 $153,686 $2,487 4.86%
    Not applicable 25 $4,925,000 $197,000 $0 5.70%
    Not provided 21 $4,125,000 $196,429 $2,861 4.95%
    Asian 7 $1,795,000 $256,429 $2,555 4.43%
    Black 10 $1,740,000 $174,000 $2,317 4.83%
    Native Hawaiian or Islander 2 $150,000 $75,000 $2,386 4.44%

    Approval Rates

    Total approvals of all applications
    88.74%

    Peoples National Bank N.a. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.94%

    Peoples National Bank N.a. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 689 $108,635,000 $157,671

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 6 $1,050,000 $175,000
    Single Family (1-4 Units):Manufactured 44 $3,910,000 $88,864
    Single Family (1-4 Units):Site-Built 639 $103,675,000 $162,246

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 11 $565,000 $51,364 $1,728 4.77%
    40-60% 43 $4,715,000 $109,651 $1,944 4.92%
    60-80% 236 $38,900,000 $164,831 $2,170 4.94%
    80-100% 388 $61,710,000 $159,046 $2,651 4.83%
    Over 100% 4 $1,320,000 $330,000 $12,768 4.50%
    Under 20% 5 $1,385,000 $277,000 $1,081 6.10%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 2 40.0%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 2 40.0%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Closing on a mortgage 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples National Bank , N.A. 1001 West Delaware Street Fairfield, IL 62837 Full Service B&M $67,616
    Peoples National Bank , N.A. 101 South Hanley Road Saint Louis, MO 63105 Full Service B&M $31,662
    Peoples National Bank , N.A. 1015 Us Route 45 North Eldorado, IL 62930 Full Service B&M $11,013
    Peoples National Bank , N.A. 102 Cross Creek Boulevard Salem, IL 62881 Full Service B&M $71,925
    Peoples National Bank , N.A. 114 North Calhoun Street Equality, IL 62934 Full Service B&M $2,229
    Peoples National Bank , N.A. 122 S Washington St Mcleansboro, IL 62859 Full Service B&M $211,090
    Peoples National Bank , N.A. 180 Commerce Street Carmi, IL 62821 Full Service B&M $26,399
    Peoples National Bank , N.A. 2 South Park Avenue Herrin, IL 62948 Full Service B&M $5,160
    Peoples National Bank , N.A. 201 West Main Street Dahlgren, IL 62828 Full Service B&M $26,922
    Peoples National Bank , N.A. 202 E Randolph Mcleansboro, IL 62859 Limited, Drive-thru $0
    Peoples National Bank , N.A. 208 Public Square Benton, IL 62812 Full Service B&M $36,236
    Peoples National Bank , N.A. 2803 17th Street Marion, IL 62959 Full Service B&M $49,710
    Peoples National Bank , N.A. 301 East Main Street West Frankfort, IL 62896 Full Service B&M $5,995
    Peoples National Bank , N.A. 3280 Hampton Avenue Saint Louis, MO 63139 Full Service B&M $25,145
    Peoples National Bank , N.A. 400 East Broadway Centralia, IL 62801 Full Service B&M $82,174
    Peoples National Bank , N.A. 413 South 34th Street Mount Vernon, IL 62864 Full Service B&M $194,936
    Peoples National Bank , N.A. 445 North Commercial Street Harrisburg, IL 62946 Full Service B&M $85,228
    Peoples National Bank , N.A. 511 South Main Street Harrisburg, IL 62946 Full Service B&M $3,258
    Peoples National Bank , N.A. 520 South 42nd Street Mount Vernon, IL 62864 Full Service B&M $0
    Peoples National Bank , N.A. 522 Main Street Mount Vernon, IL 62864 Full Service B&M $33,550
    Peoples National Bank , N.A. 61 Rend Lake Plaza Benton, IL 62812 Full Service B&M $1,867
    Peoples National Bank , N.A. 707 South Greenbriar Road Carterville, IL 62918 Full Service B&M $7,698
    Peoples National Bank , N.A. 901 West Broadway Centralia, IL 62801 Full Service B&M $30,357
    Peoples National Bank , N.A. 908 East Deyoung Street Marion, IL 62959 Full Service B&M $1,713

    For 2018, Peoples National Bank N.a. had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $52,594
    Net interest income $44,577
    Total noninterest income $9,047
    Gross Fiduciary activities income $39
    Service charges on deposit accounts $2,454
    Trading account gains and fees $0
    Additional Noninterest Income $6,554
    Pre-tax net operating income $11,296
    Securities gains (or losses, -) $0
    Income before extraordinary items $11,155
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,155
    Minority interest net income $0
    Net income $11,155
    Sale, conversion, retirement of capital stock, net $2,500
    Net operating income $11,155

    Peoples National Bank N.a.'s gross interest income from loans was $52,594,000.
    Peoples National Bank N.a.'s net interest income from loans was $44,577,000.
    Peoples National Bank N.a.'s fee based income from loans was $2,454,000.
    Peoples National Bank N.a.'s net income from loans was $11,155,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,017
    Provision for credit losses $3,800
    Total noninterest expense $38,528
    Salaries and employee benefits $21,848
    Premises and equipment expense $6,560
    Additional noninterest expense $10,120
    Applicable income taxes $141
    Net charge-offs $3,534
    Cash dividends $9,470

    Peoples National Bank N.a.'s interest expense for loans was $8,017,000.
    Peoples National Bank N.a.'s payroll and benefits expense were $21,848,000.
    Peoples National Bank N.a.'s property, plant and equipment expenses $6,560,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 4.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 2.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,080,021
    Deposits held in domestic offices $1,080,021
    Deposits by Individuals, partnerships, and corporations $843,715
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $235,882
    Deposits by Commercial banks and other depository institutions in U.S. $423
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $185,801
    Demand deposits $60,992
    Nontransaction accounts $894,220
    Money market deposit accounts (MMDAs) $25,478
    Other savings deposits (excluding MMDAs) $502,800
    Total time deposits $365,942
    Total time and savings deposits $1,019,029
    Noninterest-bearing deposits $253,346
    Interest-bearing deposits $826,675
    Retail deposits $918,776
    IRAs and Keogh plan accounts $27,855
    Brokered deposits $117,884
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,209,796
    Cash & Balances due from depository institutions $27,532
    Interest-bearing balances $750
    Total securities $64,257
    Federal funds sold & reverse repurchase $293
    Net loans and leases $1,055,170
    Loan and leases loss allowance $11,232
    Trading account assets $0
    Bank premises and fixed assets $27,970
    Other real estate owned $755
    Goodwill and other intangibles $0
    All other assets $33,819

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,209,796
    Total Liabilities $1,098,782
    Total deposits $1,080,021
    Interest-bearing deposits $826,675
    Deposits held in domestic offices $1,080,021
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $15,000
    Subordinated debt $0
    All other liabilities $3,761

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,055,170
    Loan and leases loss allowance $11,232
    Total loans and leases (domestic) $1,066,402
    All real estate loans $675,327
    Real estate loans in domestic offices $675,327
    Construction and development loans $47,149
    Residential 1-4 family construction $14,372
    Other construction, all land development and other land $32,777
    Loans secured by nonfarm nonresidential properties $318,251
    Nonfarm nonresidential secured by owner-occupied properties $109,692
    Commercial real estate & other non-farm, non-residential $208,559
    Multifamily residential real estate $28,930
    1-4 family residential loans $81,183
    Farmland loans $199,814
    Loans held in foreign offices $0
    Farm loans $107,155
    Commercial and industrial loans $223,196
    To non-U.S. addressees $0
    Loans to individuals $5,001
    Credit card loans $0
    Related Plans $331
    Consumer Auto Loans $1,542
    Other loans to individuals $3,128
    All other loans & leases $55,723
    Loans to foreign governments and official institutions $0
    Other loans $11,431
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $243
    Non 1-4 family restructured loans & leases $38
    Total loans and leases (foreign) $0

    Peoples National Bank N.A. had $1,055,170,000 of loans outstanding in 2018. $675,327,000 of loans were in real estate loans. $47,149,000 of loans were in development loans. $28,930,000 of loans were in multifamily mortgage loans. $81,183,000 of loans were in 1-4 family mortgage loans. $107,155,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,542,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 431 $71,210 $165,220
    Nonfarm, nonresidential loans - <$100k 152 $6,175 $40,625
    Nonfarm, nonresidential loans - $100-250k 134 $13,416 $100,119
    Nonfarm, nonresidential loans - $250k-1MM 145 $51,619 $355,993
    Commercial & Industrial, US addressed loans - <$1MM 796 $80,681 $101,358
    Commercial & Industrial, US addressed loans - <$100k 538 $33,814 $62,851
    Commercial & Industrial, US addressed loans - $100-250k 137 $12,451 $90,883
    Commercial & Industrial, US addressed loans - $250k-1MM 121 $34,416 $284,430
    Farmland loans - <$1MM 748 $85,068 $113,727
    Farmland loans - <$100k 312 $13,331 $42,728
    Farmland loans - $100-250k 311 $37,119 $119,354
    Farmland loans - $250k-1MM 125 $34,618 $276,944
    Agriculture operations loans - <$1MM 593 $42,866 $72,287
    Agriculture operations loans - <$100k 362 $9,685 $26,754
    Agriculture operations loans - $100-250k 152 $15,786 $103,855
    Agriculture operations loans - $250k-1MM 79 $17,395 $220,190