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 Refi and Home Purchase 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 Kansas City among others. We have data for 61 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% 4/21/24
    30 Year Conventional Refi 6.64% 4/21/24
    30 Year Cash-out Refi 7.04% 4/21/24
    30 Year FHA Purchase 7.38% 4/21/24
    30 Year VA Purchase 6.49% 4/21/24
    30 Year USDA Purchase 6.95% 4/21/24
    15 Year Conventional Purchase 6.43% 4/21/24
    15 Year Conventional Refi 6.24% 4/21/24
    15 Year Cash-out Refi 6.24% 4/21/24
    15 Year FHA Refi 8.35% 4/21/24
    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

    1,993

    Origination Dollar Volume (All Markets)

    $380,715,000

    Employee count

    296 Show all (22) 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) 760 $196,160,000 $258,105 $2,359 3.03%
    Outside of Metro Areas 497 $60,065,000 $120,855 $2,023 2.96%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 291 $45,575,000 $156,615 $2,193 3.01%
    Mount Vernon, IL (FHA|USDA|VA) 207 $25,535,000 $123,357 $2,009 3.02%
    Centralia, IL (FHA|USDA|VA) 125 $17,735,000 $141,880 $1,924 3.19%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 11 $3,425,000 $311,364 $2,230 3.03%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $2,695,000 $385,000 $2,771 2.88%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $2,545,000 $848,333 $2,681 3.13%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 6 $1,700,000 $283,333 $3,326 2.79%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,655,000 $551,667 $5,306 2.92%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,430,000 $357,500 $3,431 2.78%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $1,335,000 $267,000 $3,999 2.80%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $1,295,000 $259,000 $4,254 2.93%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,225,000 $408,333 $4,322 2.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,085,000 $361,667 $4,631 3.33%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,841 3.81%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $935,000 $311,667 $3,313 2.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $895,000 $298,333 $3,768 2.67%
    TULSA, OK (FHA|USDA|VA) 3 $835,000 $278,333 $4,270 2.71%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $800,000 $400,000 $6,387 3.00%
    Bozeman, MT (FHA|USDA|VA) 1 $715,000 $715,000 $4,482 3.63%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $700,000 $350,000 $3,310 3.00%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $515,000 $171,667 $1,914 3.29%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $515,000 $515,000 $5,778 2.50%
    BOULDER, CO (FHA|USDA|VA) 1 $485,000 $485,000 $3,380 3.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $475,000 $475,000 $2,783 2.63%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $455,000 $455,000 $3,767 2.50%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $430,000 $215,000 $3,091 2.63%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 2 $420,000 $210,000 $2,809 3.19%
    COLUMBIA, MO (FHA|USDA|VA) 2 $420,000 $210,000 $3,694 2.50%
    Farmington, MO (FHA|USDA|VA) 2 $420,000 $210,000 $2,879 2.94%
    Holland, MI (FHA|USDA|VA) 1 $405,000 $405,000 $3,120 2.63%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $405,000 $405,000 $5,712 2.38%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $405,000 $405,000 $3,789 2.50%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $395,000 $395,000 $4,395 2.13%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,350 2.13%
    BEND, OR (FHA|USDA|VA) 1 $355,000 $355,000 $4,582 2.38%
    Harrison, AR (FHA|USDA|VA) 1 $325,000 $325,000 $2,195 3.50%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $325,000 $325,000 $2,915 3.50%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $325,000 $325,000 $5,266 3.38%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $285,000 $285,000 $2,397 2.88%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $275,000 $275,000 $5,185 2.38%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,292 3.13%
    SAVANNAH, GA (FHA|USDA|VA) 1 $255,000 $255,000 $2,872 3.25%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $4,548 3.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $4,200 2.50%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $215,000 $215,000 $2,895 2.88%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $205,000 $205,000 $2,489 2.88%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $195,000 $195,000 $2,640 3.25%
    Effingham, IL (FHA|USDA|VA) 1 $195,000 $195,000 $1,908 2.75%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $185,000 $185,000 $6,828 2.88%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $180,000 $90,000 $2,374 3.50%
    Paducah, KY-IL (FHA|USDA|VA) 2 $170,000 $85,000 $2,241 2.63%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,475 2.88%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,010 2.50%
    Taylorville, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,488 2.63%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,131 3.38%
    Murray, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,039 3.75%
    Shelbyville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $2,804 3.38%
    Sikeston, MO (FHA|USDA|VA) 1 $95,000 $95,000 $3,005 2.75%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $95,000 $95,000 $1,151 2.38%
    Peoples National Bank N.a.'s top markets include St. Louis, Carbondale, Mount Vernon, Centralia, and Kansas City among others.

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

    HNB National Bank
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    Similarity Rank: 428
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 770
    ELECTRO SAVINGS CREDIT UNION
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    MISSOURI Credit Union
    Similarity Rank: 1216
    INB
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    ALLTRU Federal Credit Union
    Similarity Rank: 1316

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,801 $353,945,000 $196,527 $2,071 3.02%
    USDA 115 $9,765,000 $84,913 $3,366 2.87%
    FHA 40 $6,110,000 $152,750 $5,494 3.07%
    VA 37 $10,895,000 $294,459 $3,568 2.70%

    For 2020, Peoples National Bank N.a.'s most frequently originated type of loan was Conventional, with 1,801 originations. Their 2nd most popular type was USDA, with 115 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 880 $191,350,000 $217,443 $1,987 2.87%
    Home Purchase 789 $125,655,000 $159,259 $2,660 3.13%
    Cash Out Refi 297 $59,675,000 $200,926 $2,004 3.08%
    Other 18 $2,380,000 $132,222 $1,924 3.00%
    Home Improvement 9 $1,655,000 $183,889 $2,280 3.63%

    For 2020, Peoples National Bank N.a.'s most frequently cited loan purpose was Refi, with 880 originations. The 2nd most popular reason was Home Purchase, with 789 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,256 $250,670,000 $199,578 $2,434 3.06%
    15 Year 474 $79,790,000 $168,333 $1,918 2.62%
    20 Year 148 $27,960,000 $188,919 $1,886 3.35%
    Other 76 $14,890,000 $195,921 $1,858 3.61%
    10 Year 23 $4,195,000 $182,391 $2,071 2.97%
    5 Year 12 $2,550,000 $212,500 $845 4.96%
    1 Year 4 $660,000 $165,000 $0 4.61%

    For 2020, Peoples National Bank N.a.'s most frequently cited loan duration was 30 Year, with 1,256 originations. The 2nd most popular length was 15 Year, with 474 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,733 $333,975,000 $192,715
    $1k-2k 164 $26,350,000 $160,671
    $2k-3k 15 $3,815,000 $254,333
    $3k-4k 6 $2,190,000 $365,000

    Peoples National Bank N.a.'s average total fees were $2,434, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,733 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 862 $167,750,000 $194,606
    3-4% 550 $108,000,000 $196,364
    <2.5% 456 $83,560,000 $183,246
    4-5% 98 $18,250,000 $186,224
    5-6% 21 $2,715,000 $129,286
    6-7% 3 $365,000 $121,667
    Over 8% 3 $75,000 $25,000

    During 2020, Peoples National Bank N.a.'s average interest rate for loans was 3.06%, while their most frequently originated rate bucket for loans was 2.5-3%, with 862 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 765 $111,795,000 $146,137 $2,170 2.96%
    $200k-400k 579 $159,685,000 $275,794 $2,295 2.94%
    $100,000 or less 501 $34,165,000 $68,194 $2,112 3.14%
    $400k-600k 132 $61,300,000 $464,394 $2,834 2.93%
    $600k-1MM 13 $9,475,000 $728,846 $4,451 4.26%
    $1MM+ 3 $4,295,000 $1,431,667 $3,443 4.00%

    2020 saw Peoples National Bank N.a. place emphasis on $100k-200k loans with 765 originations, totaling $111,795,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 437 $58,605,000 $134,108 $2,301 3.04%
    $100k-150k 425 $93,425,000 $219,824 $2,100 2.93%
    $50k or less 353 $32,005,000 $90,666 $2,307 3.08%
    $75k-100k 330 $57,430,000 $174,030 $2,194 2.94%
    $150k-250k 250 $75,890,000 $303,560 $2,304 2.91%
    $250k+ 106 $40,390,000 $381,038 $2,502 3.05%

    Peoples National Bank N.a. lent most frequently to those with incomes in the $50k-75k range, with 437 originations. The second most popular income band? $100k-150k, with 425 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 596 $113,840,000 $191,007 $2,134 2.92%
    30-36% 370 $70,590,000 $190,784 $2,307 3.04%
    <20% 292 $54,490,000 $186,610 $2,062 2.90%
    43% 65 $12,065,000 $185,615 $2,124 3.01%
    38% 60 $10,150,000 $169,167 $2,207 3.06%
    37% 59 $11,955,000 $202,627 $2,841 3.05%
    44% 57 $9,335,000 $163,772 $2,456 3.11%
    36% 54 $9,860,000 $182,593 $2,306 2.92%
    41% 52 $9,780,000 $188,077 $2,739 3.03%
    42% 51 $11,465,000 $224,804 $2,427 3.03%
    39% 49 $8,165,000 $166,633 $2,269 3.04%
    45% 48 $8,780,000 $182,917 $2,281 2.98%
    40% 44 $7,670,000 $174,318 $2,000 3.30%
    47% 36 $6,430,000 $178,611 $2,103 3.02%
    48% 28 $4,990,000 $178,214 $2,237 2.76%
    46% 25 $5,425,000 $217,000 $2,609 2.88%
    49% 20 $3,740,000 $187,000 $2,810 3.12%
    50-60% 19 $3,495,000 $183,947 $2,875 3.36%
    >60% 10 $1,490,000 $149,000 $1,381 4.43%

    Peoples National Bank N.a. lent most frequently to those with DTI ratios of 20-30%, with 596 originations. The next most common DTI ratio? 30-36%, with 370 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,756 $329,600,000 $187,699 $2,212 2.98%
    Not provided 127 $27,715,000 $218,228 $2,293 2.96%
    Not applicable 33 $9,165,000 $277,727 $0 4.52%
    Black 56 $9,000,000 $160,714 $3,172 3.11%
    Asian 14 $3,850,000 $275,000 $2,857 2.78%
    American Indian 5 $685,000 $137,000 $1,992 3.03%
    Asian Indian 1 $515,000 $515,000 $3,929 2.63%
    Other Asian 1 $185,000 $185,000 $2,080 3.13%

    Approval Rates

    Total approvals of all applications
    92.39%

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

    Pick Rate

    Approvals leading to origination
    82.94%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,993 $380,715,000 $191,026

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 15 $6,315,000 $421,000
    Single Family (1-4 Units):Manufactured 68 $6,390,000 $93,971
    Single Family (1-4 Units):Site-Built 1,910 $368,010,000 $192,675

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 62 $8,540,000 $137,742 $1,923 2.84%
    40-60% 254 $49,400,000 $194,488 $1,980 2.88%
    60-80% 842 $173,850,000 $206,473 $2,016 3.02%
    80-100% 826 $146,680,000 $177,579 $2,564 3.05%
    Over 100% 4 $1,020,000 $255,000 $6,109 2.97%
    Under 20% 5 $1,225,000 $245,000 $1,672 4.13%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Struggling to pay mortgage 1 5.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 5.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 2 11.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 11.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 1 5.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 4 22.2%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 6 33.3%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION FHA mortgage Struggling to pay mortgage 1 5.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples National Bank , N.A. 208 Public Square Benton, IL 62812 Full Service B&M $64,611
    Peoples National Bank , N.A. 2803 17th Street Marion, IL 62959 Full Service B&M $60,845
    Peoples National Bank , N.A. 301 East Main Street West Frankfort, IL 62896 Full Service B&M $15,942
    Peoples National Bank , N.A. 1001 West Delaware Street Fairfield, IL 62837 Full Service B&M $71,160
    Peoples National Bank , N.A. 101 South Hanley Road Saint Louis, MO 63105 Full Service B&M $50,892
    Peoples National Bank , N.A. 1015 Us Route 45 North Eldorado, IL 62930 Full Service B&M $17,700
    Peoples National Bank , N.A. 102 Cross Creek Boulevard Salem, IL 62881 Full Service B&M $110,269
    Peoples National Bank , N.A. 122 S Washington St Mcleansboro, IL 62859 Full Service B&M $139,211
    Peoples National Bank , N.A. 180 Commerce Street Carmi, IL 62821 Full Service B&M $25,480
    Peoples National Bank , N.A. 2 South Park Avenue Herrin, IL 62948 Full Service B&M $5,001
    Peoples National Bank , N.A. 201 West Main Street Dahlgren, IL 62828 Full Service B&M $29,053
    Peoples National Bank , N.A. 202 E Randolph Mcleansboro, IL 62859 Limited, Drive-thru $0
    Peoples National Bank , N.A. 3280 Hampton Avenue Saint Louis, MO 63139 Full Service B&M $28,543
    Peoples National Bank , N.A. 400 East Broadway Centralia, IL 62801 Full Service B&M $100,525
    Peoples National Bank , N.A. 413 South 34th Street Mount Vernon, IL 62864 Full Service B&M $218,727
    Peoples National Bank , N.A. 445 North Commercial Street Harrisburg, IL 62946 Full Service B&M $103,634
    Peoples National Bank , N.A. 511 South Main Street Harrisburg, IL 62946 Full Service B&M $4,102
    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 $46,358
    Peoples National Bank , N.A. 61 Rend Lake Plaza Benton, IL 62812 Full Service B&M $2,529
    Peoples National Bank , N.A. 707 South Greenbriar Road Carterville, IL 62918 Full Service B&M $7,854
    Peoples National Bank , N.A. 901 West Broadway Centralia, IL 62801 Full Service B&M $43,583
    Peoples National Bank , N.A. 908 East Deyoung Street Marion, IL 62959 Full Service B&M $1,644

    For 2020, Peoples National Bank N.a. had 23 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $53,086
    Net interest income $46,479
    Total noninterest income $18,251
    Gross Fiduciary activities income $51
    Service charges on deposit accounts $1,768
    Trading account gains and fees $0
    Additional Noninterest Income $16,432
    Pre-tax net operating income $15,306
    Securities gains (or losses, -) $0
    Income before extraordinary items $15,130
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,130
    Minority interest net income $0
    Net income $15,130
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,130

    Peoples National Bank N.a.'s gross interest income from loans was $53,086,000.
    Peoples National Bank N.a.'s net interest income from loans was $46,479,000.
    Peoples National Bank N.a.'s fee based income from loans was $1,768,000.
    Peoples National Bank N.a.'s net income from loans was $15,130,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,607
    Provision for credit losses $6,250
    Total noninterest expense $43,174
    Salaries and employee benefits $26,734
    Premises and equipment expense $6,225
    Additional noninterest expense $10,215
    Applicable income taxes $176
    Net charge-offs $4,533
    Cash dividends $7,981

    Peoples National Bank N.a.'s interest expense for loans was $6,607,000.
    Peoples National Bank N.a.'s payroll and benefits expense were $26,734,000.
    Peoples National Bank N.a.'s property, plant and equipment expenses $6,225,000.

    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 9.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,217,815
    Deposits held in domestic offices $1,217,815
    Deposits by Individuals, partnerships, and corporations $937,583
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $280,231
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $253,755
    Demand deposits $77,668
    Nontransaction accounts $964,060
    Money market deposit accounts (MMDAs) $40,041
    Other savings deposits (excluding MMDAs) $684,413
    Total time deposits $239,606
    Total time and savings deposits $1,140,147
    Noninterest-bearing deposits $339,797
    Interest-bearing deposits $878,018
    Retail deposits $1,168,116
    IRAs and Keogh plan accounts $30,031
    Brokered deposits $4,000
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,492,816
    Cash & Balances due from depository institutions $177,039
    Interest-bearing balances $139,776
    Total securities $49,671
    Federal funds sold & reverse repurchase $2,131
    Net loans and leases $1,195,840
    Loan and leases loss allowance $12,662
    Trading account assets $0
    Bank premises and fixed assets $28,338
    Other real estate owned $4,027
    Goodwill and other intangibles $0
    All other assets $35,770

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,492,816
    Total Liabilities $1,371,289
    Total deposits $1,217,815
    Interest-bearing deposits $878,018
    Deposits held in domestic offices $1,217,815
    % insured (estimated) $85
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $145,154
    Subordinated debt $0
    All other liabilities $8,320

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,195,840
    Loan and leases loss allowance $12,662
    Total loans and leases (domestic) $1,208,502
    All real estate loans $769,460
    Real estate loans in domestic offices $769,460
    Construction and development loans $85,968
    Residential 1-4 family construction $21,906
    Other construction, all land development and other land $64,062
    Loans secured by nonfarm nonresidential properties $337,800
    Nonfarm nonresidential secured by owner-occupied properties $132,557
    Commercial real estate & other non-farm, non-residential $205,243
    Multifamily residential real estate $34,347
    1-4 family residential loans $85,046
    Farmland loans $226,299
    Loans held in foreign offices $0
    Farm loans $91,745
    Commercial and industrial loans $298,701
    To non-U.S. addressees $0
    Loans to individuals $4,674
    Credit card loans $0
    Related Plans $258
    Consumer Auto Loans $1,888
    Other loans to individuals $2,528
    All other loans & leases $43,922
    Loans to foreign governments and official institutions $0
    Other loans $8,584
    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 $2,917
    Non 1-4 family restructured loans & leases $2,881
    Total loans and leases (foreign) $0

    Peoples National Bank N.A. had $1,195,840,000 of loans outstanding in 2020. $769,460,000 of loans were in real estate loans. $85,968,000 of loans were in development loans. $34,347,000 of loans were in multifamily mortgage loans. $85,046,000 of loans were in 1-4 family mortgage loans. $91,745,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,888,000 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 437 $81,061 $185,494
    Nonfarm, nonresidential loans - <$100k 142 $6,143 $43,261
    Nonfarm, nonresidential loans - $100-250k 140 $14,173 $101,236
    Nonfarm, nonresidential loans - $250k-1MM 155 $60,745 $391,903
    Commercial & Industrial, US addressed loans - <$1MM 2,021 $129,371 $64,013
    Commercial & Industrial, US addressed loans - <$100k 1,584 $46,849 $29,576
    Commercial & Industrial, US addressed loans - $100-250k 253 $29,623 $117,087
    Commercial & Industrial, US addressed loans - $250k-1MM 184 $52,899 $287,495
    Farmland loans - <$1MM 739 $87,500 $118,403
    Farmland loans - <$100k 291 $12,887 $44,285
    Farmland loans - $100-250k 310 $37,051 $119,519
    Farmland loans - $250k-1MM 138 $37,562 $272,188
    Agriculture operations loans - <$1MM 594 $39,770 $66,953
    Agriculture operations loans - <$100k 356 $9,144 $25,685
    Agriculture operations loans - $100-250k 154 $13,173 $85,539
    Agriculture operations loans - $250k-1MM 84 $17,453 $207,774