Peoples National Bank N.a. Mortgage Rates, Fees & Info
Mount Vernon, ILLEI: 549300U8L31JJT1ZDP60
Tax ID: 37-0458820
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Bank Data
Review & Overview
Peoples National Bank N.a. is a smaller bank specializing in Home Purchase and Refi loans. Peoples National Bank N.a. has a high proportion of conventional loans. They have a low ratio of USDA 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 Tulsa among others. We have data for 37 markets. (Some data included below & more in-depth data is available with an active subscription.)Peoples National Bank N.a. has an above 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
30 Year Conventional Purchase | 6.84% | 9/1/24 |
30 Year Conventional Refi | 6.64% | 9/1/24 |
30 Year Cash-out Refi | 7.04% | 9/1/24 |
30 Year FHA Purchase | 7.38% | 9/1/24 |
30 Year VA Purchase | 6.49% | 9/1/24 |
30 Year USDA Purchase | 6.95% | 9/1/24 |
15 Year Conventional Purchase | 6.43% | 9/1/24 |
15 Year Conventional Refi | 6.24% | 9/1/24 |
15 Year Cash-out Refi | 6.24% | 9/1/24 |
15 Year FHA Refi | 8.35% | 9/1/24 |
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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,008Origination Dollar Volume (All Markets)
$189,480,000Employee count
280 Show all (14) awardsPeoples National Bank N.A. - 2019
Peoples National Bank N.A. is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 363 | $108,545,000 | $299,022 | $2,843 | 4.04% |
Outside of Metro Areas | 283 | $28,455,000 | $100,548 | $2,051 | 4.47% |
CARBONDALE-MARION, IL (FHA|USDA|VA) | 145 | $17,725,000 | $122,241 | $2,524 | 4.31% |
Mount Vernon, IL (FHA|USDA|VA) | 95 | $10,195,000 | $107,316 | $1,955 | 4.29% |
Centralia, IL (FHA|USDA|VA) | 67 | $9,435,000 | $140,821 | $2,006 | 4.51% |
TULSA, OK (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $3,804 | 3.65% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $6,876 | 3.92% |
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $3,207 | 4.58% |
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $3,659 | 4.06% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,749 | 3.79% |
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $5,491 | 4.00% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,777 | 4.06% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $3,409 | 3.94% |
CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,285 | 4.21% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,489 | 3.56% |
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,992 | 3.25% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,839 | 3.63% |
EVANSVILLE, IN-KY (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,355 | 3.96% |
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,941 | 4.25% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,718 | 3.50% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,083 | 3.00% |
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,975 | 3.88% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,721 | 4.25% |
SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,520 | 3.94% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,321 | 4.13% |
AKRON, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,708 | 3.00% |
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,969 | 4.56% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,185 | 5.38% |
JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,895 | 5.75% |
CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,665 | 3.38% |
Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,012 | 4.13% |
TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,533 | 4.38% |
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,760 | 4.13% |
Auburn, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,937 | 4.75% |
JACKSON, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,487 | 4.13% |
Mayfield, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,357 | 5.00% |
Mountain Home, AR (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,097 | 4.88% |
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.
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Product Mix
For 2019, Peoples National Bank N.a.'s most frequently originated type of loan was Conventional, with 867 originations. Their 2nd most popular type was USDA, with 81 originations.
Loan Reason
For 2019, Peoples National Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 607 originations. The 2nd most popular reason was Refi, with 241 originations.
Loan Duration/Length
For 2019, Peoples National Bank N.a.'s most frequently cited loan duration was 30 Year, with 717 originations. The 2nd most popular length was 15 Year, with 130 originations.
Origination Fees/Closing Costs
Peoples National Bank N.a.'s average total fees were $2,636, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 817 originations.
Interest Rates
During 2019, Peoples National Bank N.a.'s average interest rate for loans was 4.16%, while their most frequently originated rate bucket for loans was 3-4%, with 502 originations.
Loan Sizing
2019 saw Peoples National Bank N.a. place emphasis on $100,000 or less loans with 345 originations, totaling $20,695,000 in origination value.
Applicant Income
Peoples National Bank N.a. lent most frequently to those with incomes in the $50k or less range, with 258 originations. The second most popular income band? $50k-75k, with 214 originations.
Applicant Debt to Income Ratio
Peoples National Bank N.a. lent most frequently to those with DTI ratios of 20-30%, with 255 originations. The next most common DTI ratio? 30-36%, with 199 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.34%
Peoples National Bank N.a. has an average approval rate.
Pick Rate
Approvals leading to origination81.15%
Peoples National Bank N.a. has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 1,008 | $189,480,000 | $187,976 |
Occupancy Type Mix
LTV Distribution
Complaints
Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Struggling to pay mortgage | 3 | 21.4% |
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 4 | 28.6% |
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 7.1% |
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 2 | 14.3% |
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 7.1% |
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Other type of mortgage | Trouble during payment process | 2 | 14.3% |
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
Peoples National Bank , N.A. | 1015 Us Route 45 North Eldorado, IL 62930 | Full Service B&M | $13,385 |
Peoples National Bank , N.A. | 511 South Main Street Harrisburg, IL 62946 | Full Service B&M | $2,825 |
Peoples National Bank , N.A. | 1001 West Delaware Street Fairfield, IL 62837 | Full Service B&M | $69,888 |
Peoples National Bank , N.A. | 101 South Hanley Road Saint Louis, MO 63105 | Full Service B&M | $34,349 |
Peoples National Bank , N.A. | 102 Cross Creek Boulevard Salem, IL 62881 | Full Service B&M | $80,211 |
Peoples National Bank , N.A. | 122 S Washington St Mcleansboro, IL 62859 | Full Service B&M | $190,650 |
Peoples National Bank , N.A. | 180 Commerce Street Carmi, IL 62821 | Full Service B&M | $24,041 |
Peoples National Bank , N.A. | 2 South Park Avenue Herrin, IL 62948 | Full Service B&M | $3,976 |
Peoples National Bank , N.A. | 201 West Main Street Dahlgren, IL 62828 | Full Service B&M | $27,326 |
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 | $39,176 |
Peoples National Bank , N.A. | 2803 17th Street Marion, IL 62959 | Full Service B&M | $48,728 |
Peoples National Bank , N.A. | 301 East Main Street West Frankfort, IL 62896 | Full Service B&M | $9,828 |
Peoples National Bank , N.A. | 3280 Hampton Avenue Saint Louis, MO 63139 | Full Service B&M | $25,160 |
Peoples National Bank , N.A. | 400 East Broadway Centralia, IL 62801 | Full Service B&M | $79,640 |
Peoples National Bank , N.A. | 413 South 34th Street Mount Vernon, IL 62864 | Full Service B&M | $215,362 |
Peoples National Bank , N.A. | 445 North Commercial Street Harrisburg, IL 62946 | Full Service B&M | $86,806 |
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 | $40,692 |
Peoples National Bank , N.A. | 61 Rend Lake Plaza Benton, IL 62812 | Full Service B&M | $1,782 |
Peoples National Bank , N.A. | 707 South Greenbriar Road Carterville, IL 62918 | Full Service B&M | $7,401 |
Peoples National Bank , N.A. | 901 West Broadway Centralia, IL 62801 | Full Service B&M | $33,531 |
Peoples National Bank , N.A. | 908 East Deyoung Street Marion, IL 62959 | Full Service B&M | $1,871 |
For 2019, Peoples National Bank N.a. had 23 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $56,438 |
Net interest income | $46,128 |
Total noninterest income | $10,409 |
Gross Fiduciary activities income | $38 |
Service charges on deposit accounts | $2,471 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $7,900 |
Pre-tax net operating income | $11,474 |
Securities gains (or losses, -) | $0 |
Income before extraordinary items | $11,334 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $11,334 |
Minority interest net income | $0 |
Net income | $11,334 |
Sale, conversion, retirement of capital stock, net | $0 |
Net operating income | $11,334 |
Peoples National Bank N.a.'s gross interest income from loans was $56,438,000.
Peoples National Bank N.a.'s net interest income from loans was $46,128,000.
Peoples National Bank N.a.'s fee based income from loans was $2,471,000.
Peoples National Bank N.a.'s net income from loans was $11,334,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $10,310 |
Provision for credit losses | $4,860 |
Total noninterest expense | $40,203 |
Salaries and employee benefits | $23,711 |
Premises and equipment expense | $6,424 |
Additional noninterest expense | $10,068 |
Applicable income taxes | $140 |
Net charge-offs | $5,147 |
Cash dividends | $9,863 |
Peoples National Bank N.a.'s interest expense for loans was $10,310,000.
Peoples National Bank N.a.'s payroll and benefits expense were $23,711,000.
Peoples National Bank N.a.'s property, plant and equipment expenses $6,424,000.
Loan Performance
Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
---|---|
All loans | 1.0% |
Real Estate loans | 1.0% |
Construction & Land Development loans | 0.0% |
Nonfarm, nonresidential loans | 1.0% |
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 | 0.0% |
Credit card loans | 0.0% |
Other individual loans | 0.0% |
Auto loans | 2.0% |
Other consumer loans | 0.0% |
Unsecured commercial real estate loans | 0.0% |
Deposits
Type | Value (in 000's) |
---|---|
Total deposits | $1,026,874 |
Deposits held in domestic offices | $1,026,874 |
Deposits by Individuals, partnerships, and corporations | $760,588 |
Deposits by U.S. Government | $0 |
Deposits by States and political subdivisions in the U.S. | $266,041 |
Deposits by Commercial banks and other depository institutions in U.S. | $245 |
Deposits by Banks in foreign countries | $0 |
Deposits by Foreign governments and official institutions | $0 |
Transaction accounts | $193,022 |
Demand deposits | $58,575 |
Nontransaction accounts | $833,852 |
Money market deposit accounts (MMDAs) | $30,087 |
Other savings deposits (excluding MMDAs) | $533,104 |
Total time deposits | $270,661 |
Total time and savings deposits | $968,299 |
Noninterest-bearing deposits | $248,479 |
Interest-bearing deposits | $778,395 |
Retail deposits | $973,264 |
IRAs and Keogh plan accounts | $28,651 |
Brokered deposits | $4,000 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $1,209,673 |
Cash & Balances due from depository institutions | $56,255 |
Interest-bearing balances | $35,617 |
Total securities | $51,391 |
Federal funds sold & reverse repurchase | $274 |
Net loans and leases | $1,034,562 |
Loan and leases loss allowance | $10,945 |
Trading account assets | $0 |
Bank premises and fixed assets | $29,458 |
Other real estate owned | $2,490 |
Goodwill and other intangibles | $0 |
All other assets | $35,243 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $1,209,673 |
Total Liabilities | $1,096,025 |
Total deposits | $1,026,874 |
Interest-bearing deposits | $778,395 |
Deposits held in domestic offices | $1,026,874 |
% insured (estimated) | $87 |
Federal funds purchased and repurchase agreements | $0 |
Trading liabilities | $0 |
Other borrowed funds | $65,000 |
Subordinated debt | $0 |
All other liabilities | $4,151 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $1,034,562 |
Loan and leases loss allowance | $10,945 |
Total loans and leases (domestic) | $1,045,507 |
All real estate loans | $724,192 |
Real estate loans in domestic offices | $724,192 |
Construction and development loans | $68,369 |
Residential 1-4 family construction | $16,760 |
Other construction, all land development and other land | $51,609 |
Loans secured by nonfarm nonresidential properties | $320,112 |
Nonfarm nonresidential secured by owner-occupied properties | $118,024 |
Commercial real estate & other non-farm, non-residential | $202,088 |
Multifamily residential real estate | $31,899 |
1-4 family residential loans | $87,288 |
Farmland loans | $216,524 |
Loans held in foreign offices | $0 |
Farm loans | $97,412 |
Commercial and industrial loans | $168,353 |
To non-U.S. addressees | $0 |
Loans to individuals | $4,403 |
Credit card loans | $0 |
Related Plans | $299 |
Consumer Auto Loans | $1,481 |
Other loans to individuals | $2,623 |
All other loans & leases | $51,147 |
Loans to foreign governments and official institutions | $0 |
Other loans | $10,154 |
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 | $6,356 |
Non 1-4 family restructured loans & leases | $6,171 |
Total loans and leases (foreign) | $0 |
Peoples National Bank N.A. had $1,034,562,000 of loans outstanding in 2019. $724,192,000 of loans were in real estate loans. $68,369,000 of loans were in development loans. $31,899,000 of loans were in multifamily mortgage loans. $87,288,000 of loans were in 1-4 family mortgage loans. $97,412,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,481,000 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 | 434 | $75,823 | $174,707 |
Nonfarm, nonresidential loans - <$100k | 146 | $6,012 | $41,178 |
Nonfarm, nonresidential loans - $100-250k | 139 | $14,451 | $103,964 |
Nonfarm, nonresidential loans - $250k-1MM | 149 | $55,360 | $371,544 |
Commercial & Industrial, US addressed loans - <$1MM | 746 | $67,858 | $90,962 |
Commercial & Industrial, US addressed loans - <$100k | 505 | $20,960 | $41,505 |
Commercial & Industrial, US addressed loans - $100-250k | 117 | $11,655 | $99,615 |
Commercial & Industrial, US addressed loans - $250k-1MM | 124 | $35,243 | $284,218 |
Farmland loans - <$1MM | 745 | $87,068 | $116,870 |
Farmland loans - <$100k | 302 | $13,059 | $43,242 |
Farmland loans - $100-250k | 309 | $36,609 | $118,476 |
Farmland loans - $250k-1MM | 134 | $37,400 | $279,104 |
Agriculture operations loans - <$1MM | 593 | $39,376 | $66,401 |
Agriculture operations loans - <$100k | 363 | $9,439 | $26,003 |
Agriculture operations loans - $100-250k | 152 | $13,886 | $91,355 |
Agriculture operations loans - $250k-1MM | 78 | $16,051 | $205,782 |