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™
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    • 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 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.

    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% 11/17/24
    30 Year Conventional Refi 6.64% 11/17/24
    30 Year Cash-out Refi 7.04% 11/17/24
    30 Year FHA Purchase 7.38% 11/17/24
    30 Year VA Purchase 6.49% 11/17/24
    30 Year USDA Purchase 6.95% 11/17/24
    15 Year Conventional Purchase 6.43% 11/17/24
    15 Year Conventional Refi 6.24% 11/17/24
    15 Year Cash-out Refi 6.24% 11/17/24
    15 Year FHA Refi 8.35% 11/17/24
    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

    1,008

    Origination Dollar Volume (All Markets)

    $189,480,000

    Employee count

    280 Show all (14) 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) 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%
    Peoples National Bank N.a.'s top markets include St. Louis, Carbondale, Mount Vernon, Centralia, and Tulsa among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Oklahoma (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.

    WEST COMMUNITY
    Similarity Rank: 190
    United Bank of Union
    Similarity Rank: 275
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 302
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 396
    Dieterich Bank
    Similarity Rank: 442
    CapGrow Home Mortgage, LLC
    Similarity Rank: 450
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 490
    TIB The Independent Bankersbank
    Similarity Rank: 721
    ALLTRU Federal Credit Union
    Similarity Rank: 780
    JERSEY STATE BANK
    Similarity Rank: 792

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 867 $172,955,000 $199,487 $2,208 4.31%
    USDA 81 $6,465,000 $79,815 $3,278 3.88%
    FHA 44 $6,210,000 $141,136 $4,838 4.09%
    VA 16 $3,850,000 $240,625 $4,953 3.68%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 607 $91,635,000 $150,964 $2,691 4.37%
    Refi 241 $58,025,000 $240,768 $2,159 3.94%
    Cash Out Refi 131 $36,465,000 $278,359 $2,191 4.19%
    Other 18 $2,030,000 $112,778 $1,931 5.15%
    Home Improvement 11 $1,325,000 $120,455 $1,831 4.53%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 717 $131,365,000 $183,215 $2,636 4.16%
    15 Year 130 $19,400,000 $149,231 $2,002 3.75%
    20 Year 74 $11,270,000 $152,297 $1,915 4.82%
    Other 48 $21,290,000 $443,542 $1,817 5.31%
    5 Year 22 $2,780,000 $126,364 $0 5.60%
    10 Year 10 $1,090,000 $109,000 $1,922 4.61%
    3 Year 4 $1,710,000 $427,500 $0 5.56%
    1 Year 3 $575,000 $191,667 $0 5.62%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 817 $144,675,000 $177,081
    $1k-2k 109 $16,225,000 $148,853
    $2k-3k 12 $2,610,000 $217,500
    $4k-5k 4 $2,450,000 $612,500
    $3k-4k 1 $205,000 $205,000

    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

    Loan Rate Originations Total Value Average Loan
    3-4% 502 $97,820,000 $194,861
    4-5% 344 $55,640,000 $161,744
    5-6% 130 $32,120,000 $247,077
    6-7% 17 $1,515,000 $89,118
    2.5-3% 9 $2,165,000 $240,556
    Over 8% 5 $185,000 $37,000
    7-8% 1 $35,000 $35,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 345 $20,695,000 $59,986 $2,150 4.53%
    $100k-200k 334 $47,780,000 $143,054 $2,386 4.22%
    $200k-400k 257 $68,865,000 $267,957 $2,828 4.02%
    $400k-600k 60 $27,600,000 $460,000 $2,871 3.87%
    $600k-1MM 8 $5,810,000 $726,250 $4,594 4.12%
    $1MM+ 4 $18,730,000 $4,682,500 $4,663 5.16%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 258 $19,790,000 $76,705 $2,356 4.29%
    $50k-75k 214 $27,310,000 $127,617 $2,533 4.29%
    $75k-100k 156 $26,740,000 $171,410 $2,330 4.18%
    $100k-150k 148 $31,210,000 $210,878 $2,485 4.14%
    $150k-250k 109 $34,875,000 $319,954 $2,667 4.01%
    $250k+ 63 $25,505,000 $404,841 $2,832 4.12%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 255 $42,265,000 $165,745 $2,386 4.08%
    30-36% 199 $32,615,000 $163,894 $2,415 4.21%
    <20% 101 $19,545,000 $193,515 $2,219 4.12%
    39% 46 $6,840,000 $148,696 $2,694 4.26%
    41% 40 $6,490,000 $162,250 $2,514 4.32%
    38% 39 $8,465,000 $217,051 $2,655 4.14%
    37% 37 $6,425,000 $173,649 $2,562 4.12%
    44% 34 $5,650,000 $166,176 $2,340 4.48%
    36% 31 $5,365,000 $173,065 $2,447 4.49%
    42% 26 $3,860,000 $148,462 $2,771 4.39%
    43% 25 $3,405,000 $136,200 $2,179 4.41%
    40% 24 $4,870,000 $202,917 $2,958 3.99%
    45% 22 $4,940,000 $224,545 $2,542 4.03%
    48% 19 $6,655,000 $350,263 $3,201 4.20%
    49% 19 $3,175,000 $167,105 $2,593 4.24%
    47% 14 $1,970,000 $140,714 $2,451 4.36%
    46% 12 $2,270,000 $189,167 $2,378 4.01%
    50-60% 12 $1,600,000 $133,333 $3,753 4.78%
    >60% 6 $660,000 $110,000 $1,710 5.88%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 882 $149,370,000 $169,354 $2,394 4.20%
    Not applicable 41 $20,655,000 $503,780 $2,265 5.63%
    Not provided 54 $12,350,000 $228,704 $3,343 4.19%
    Black 19 $3,825,000 $201,316 $3,421 4.14%
    Asian 10 $2,790,000 $279,000 $2,320 4.39%
    American Indian 2 $490,000 $245,000 $4,028 3.31%

    Approval Rates

    Total approvals of all applications
    90.34%

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

    Pick Rate

    Approvals leading to origination
    81.15%

    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

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 17 $18,955,000 $1,115,000
    Single Family (1-4 Units):Manufactured 48 $3,830,000 $79,792
    Single Family (1-4 Units):Site-Built 943 $166,695,000 $176,771

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 29 $3,195,000 $110,172 $1,953 4.79%
    40-60% 88 $14,320,000 $162,727 $2,205 4.30%
    60-80% 352 $87,200,000 $247,727 $2,258 4.19%
    80-100% 531 $83,305,000 $156,883 $2,628 4.26%
    Over 100% 5 $1,125,000 $225,000 $6,872 3.88%
    Under 20% 3 $335,000 $111,667 $1,247 5.75%

    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