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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    • 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 Nashville among others. We have data for 53 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

    1,303

    Origination Dollar Volume (All Markets)

    $246,475,000

    Employee count

    278 Show all (17) 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) 434 $116,750,000 $269,009 $2,639 3.01%
    Outside of Metro Areas 398 $48,750,000 $122,487 $2,156 3.10%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 186 $27,780,000 $149,355 $2,371 3.05%
    Mount Vernon, IL (FHA|USDA|VA) 122 $14,580,000 $119,508 $2,198 3.02%
    Centralia, IL (FHA|USDA|VA) 89 $11,375,000 $127,809 $2,164 3.24%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 9 $3,525,000 $391,667 $4,235 3.31%
    Bozeman, MT (FHA|USDA|VA) 4 $3,090,000 $772,500 $4,591 2.88%
    Farmington, MO (FHA|USDA|VA) 1 $2,465,000 $2,465,000 $0 3.75%
    SALINAS, CA (FHA|USDA|VA) 1 $1,395,000 $1,395,000 $2,902 2.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $1,270,000 $635,000 $6,744 3.19%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,210,000 $605,000 $5,134 3.19%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $1,020,000 $510,000 $3,892 2.81%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $845,000 $845,000 $4,704 3.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $835,000 $278,333 $4,243 2.83%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $710,000 $355,000 $2,621 2.75%
    Paducah, KY-IL (FHA|USDA|VA) 4 $680,000 $170,000 $2,388 3.19%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $675,000 $225,000 $2,448 2.71%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $595,000 $595,000 $0 4.75%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $545,000 $545,000 $4,660 2.00%
    GREEN BAY, WI (FHA|USDA|VA) 1 $545,000 $545,000 $1,350 2.38%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $515,000 $515,000 $5,681 2.88%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $475,000 $475,000 $2,600 3.25%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $455,000 $455,000 $3,397 2.50%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $410,000 $205,000 $2,450 3.13%
    Murray, KY (FHA|USDA|VA) 2 $370,000 $185,000 $2,123 2.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $320,000 $160,000 $2,816 3.25%
    Celina, OH (FHA|USDA|VA) 1 $315,000 $315,000 $3,358 3.00%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $305,000 $305,000 $2,886 2.25%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $290,000 $145,000 $3,802 3.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $275,000 $275,000 $9,805 2.75%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $275,000 $275,000 $4,979 3.25%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $265,000 $265,000 $2,522 3.13%
    MOBILE, AL (FHA|USDA|VA) 1 $235,000 $235,000 $3,985 3.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $235,000 $235,000 $1,257 2.63%
    Effingham, IL (FHA|USDA|VA) 1 $235,000 $235,000 $1,321 3.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,473 2.63%
    Laurinburg, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,780 2.38%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,663 3.63%
    Jacksonville, IL (FHA|USDA|VA) 1 $195,000 $195,000 $1,470 2.75%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $1,971 2.38%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $185,000 $185,000 $2,475 2.88%
    ERIE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,134 3.25%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,633 3.00%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $2,530 3.13%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,714 2.50%
    Albertville, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,512 2.63%
    TULSA, OK (FHA|USDA|VA) 1 $155,000 $155,000 $4,115 3.00%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,054 2.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,252 3.25%
    Sikeston, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,700 2.50%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $95,000 $95,000 $1,354 2.75%
    Brownsville, TN (FHA|USDA|VA) 1 $75,000 $75,000 $2,732 3.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,705 2.38%
    Peoples National Bank N.a.'s top markets include St. Louis, Carbondale, Mount Vernon, Centralia, and Nashville among others.

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

    Town & Country Bank
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    D.W. BROWN MORTGAGE CORP.
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    First National Bank of Waterloo
    Similarity Rank: 938
    VANTAGE Credit Union
    Similarity Rank: 1010
    Providence Bank
    Similarity Rank: 1102
    U S WIDE FINANCIAL LLC
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,112 $221,670,000 $199,344 $2,171 3.08%
    USDA 117 $10,215,000 $87,308 $3,395 2.96%
    FHA 37 $5,455,000 $147,432 $5,519 3.06%
    VA 37 $9,135,000 $246,892 $2,857 2.74%

    For 2021, Peoples National Bank N.a.'s most frequently originated type of loan was Conventional, with 1,112 originations. Their 2nd most popular type was USDA, with 117 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 797 $140,155,000 $175,853 $2,672 3.15%
    Refi 311 $68,695,000 $220,884 $1,982 2.83%
    Cash Out Refi 164 $33,970,000 $207,134 $2,085 3.01%
    Other 20 $2,500,000 $125,000 $1,986 3.14%
    Home Improvement 11 $1,155,000 $105,000 $2,246 3.16%

    For 2021, Peoples National Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 797 originations. The 2nd most popular reason was Refi, with 311 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 924 $175,310,000 $189,729 $2,565 3.08%
    15 Year 225 $34,485,000 $153,267 $2,009 2.57%
    20 Year 69 $11,185,000 $162,101 $2,038 3.34%
    Other 41 $6,195,000 $151,098 $1,735 3.74%
    5 Year 22 $16,140,000 $733,636 $1,057 4.34%
    10 Year 14 $1,260,000 $90,000 $1,991 3.03%
    1 Year 6 $1,290,000 $215,000 $0 4.14%
    3 Year 2 $610,000 $305,000 $0 4.25%

    For 2021, Peoples National Bank N.a.'s most frequently cited loan duration was 30 Year, with 924 originations. The 2nd most popular length was 15 Year, with 225 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,017 $187,215,000 $184,086
    $1k-2k 177 $23,775,000 $134,322
    $2k-3k 13 $2,995,000 $230,385
    $3k-4k 1 $665,000 $665,000
    $4k-5k 1 $915,000 $915,000
    $5k+ 1 $225,000 $225,000

    Peoples National Bank N.a.'s average total fees were $2,565, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,017 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 529 $106,555,000 $201,427
    3-4% 499 $92,385,000 $185,140
    <2.5% 210 $38,060,000 $181,238
    4-5% 62 $9,280,000 $149,677
    5-6% 1 $65,000 $65,000
    6-7% 1 $115,000 $115,000
    Over 8% 1 $15,000 $15,000

    During 2021, Peoples National Bank N.a.'s average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 2.5-3%, with 529 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 506 $73,090,000 $144,447 $2,378 3.03%
    $100,000 or less 399 $26,565,000 $66,579 $2,283 3.17%
    $200k-400k 293 $79,475,000 $271,246 $2,454 2.96%
    $400k-600k 77 $35,915,000 $466,429 $2,663 2.95%
    $600k-1MM 19 $14,155,000 $745,000 $4,234 3.11%
    $1MM+ 9 $17,275,000 $1,919,444 $4,455 3.56%

    2021 saw Peoples National Bank N.a. place emphasis on $100k-200k loans with 506 originations, totaling $73,090,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 330 $29,540,000 $89,515 $2,538 3.08%
    $50k-75k 280 $37,630,000 $134,393 $2,363 3.04%
    $75k-100k 230 $40,830,000 $177,522 $2,300 3.03%
    $100k-150k 203 $42,905,000 $211,355 $2,221 2.96%
    $150k-250k 124 $38,210,000 $308,145 $2,386 2.96%
    $250k+ 69 $29,315,000 $424,855 $3,117 3.03%

    Peoples National Bank N.a. lent most frequently to those with incomes in the $50k or less range, with 330 originations. The second most popular income band? $50k-75k, with 280 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 363 $66,325,000 $182,713 $2,347 3.00%
    30-36% 265 $44,465,000 $167,792 $2,476 3.06%
    <20% 171 $30,365,000 $177,573 $2,135 2.86%
    41% 47 $7,855,000 $167,128 $2,802 3.03%
    42% 43 $6,655,000 $154,767 $2,703 3.26%
    38% 41 $6,855,000 $167,195 $2,552 3.05%
    40% 39 $8,465,000 $217,051 $2,503 2.98%
    36% 39 $7,375,000 $189,103 $2,262 2.98%
    37% 34 $6,500,000 $191,176 $2,590 2.95%
    43% 34 $6,370,000 $187,353 $2,461 3.10%
    39% 31 $5,875,000 $189,516 $2,326 3.08%
    44% 30 $5,030,000 $167,667 $2,677 3.15%
    48% 25 $3,705,000 $148,200 $2,658 2.89%
    45% 23 $4,265,000 $185,435 $2,559 3.08%
    47% 21 $4,185,000 $199,286 $2,748 2.89%
    49% 16 $3,040,000 $190,000 $2,122 2.96%
    46% 15 $2,665,000 $177,667 $2,353 3.21%
    50-60% 10 $1,870,000 $187,000 $2,007 3.85%
    >60% 6 $570,000 $95,000 $1,791 4.21%

    Peoples National Bank N.a. lent most frequently to those with DTI ratios of 20-30%, with 363 originations. The next most common DTI ratio? 30-36%, with 265 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,110 $194,310,000 $175,054 $2,373 3.02%
    Not applicable 39 $22,115,000 $567,051 $0 4.12%
    Not provided 93 $18,315,000 $196,935 $2,462 3.02%
    Black 36 $6,080,000 $168,889 $3,298 3.15%
    Asian 17 $4,625,000 $272,059 $2,947 3.01%
    American Indian 3 $345,000 $115,000 $2,687 2.71%
    Filipino 1 $255,000 $255,000 $2,138 2.63%
    Other Asian 1 $135,000 $135,000 $1,981 2.88%
    Asian Indian 1 $135,000 $135,000 $3,749 2.13%
    Native Hawaiian or Islander 1 $95,000 $95,000 $2,262 3.75%
    Chinese 1 $65,000 $65,000 $1,468 2.75%

    Approval Rates

    Total approvals of all applications
    93.59%

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

    Pick Rate

    Approvals leading to origination
    81.04%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,303 $246,475,000 $189,160

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,303 $246,475,000 $189,160

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 42 $6,010,000 $143,095 $1,929 2.97%
    40-60% 146 $26,850,000 $183,904 $2,060 2.89%
    60-80% 443 $96,575,000 $218,002 $2,155 3.05%
    80-100% 658 $114,500,000 $174,012 $2,645 3.10%
    Over 100% 8 $1,370,000 $171,250 $6,182 3.33%
    Under 20% 6 $1,170,000 $195,000 $2,625 3.55%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 4 30.8%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Trouble during payment process 3 23.1%

    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 $81,373
    Peoples National Bank , N.A. 101 South Hanley Road Saint Louis, MO 63105 Full Service B&M $57,040
    Peoples National Bank , N.A. 1015 Us Route 45 North Eldorado, IL 62930 Full Service B&M $19,189
    Peoples National Bank , N.A. 102 Cross Creek Boulevard Salem, IL 62881 Full Service B&M $138,545
    Peoples National Bank , N.A. 122 S Washington St Mcleansboro, IL 62859 Full Service B&M $164,501
    Peoples National Bank , N.A. 14323 South Outer 40 Rd Ste 100 Town And Country, MO 63017 Full Service B&M $7,157
    Peoples National Bank , N.A. 180 Commerce Street Carmi, IL 62821 Full Service B&M $28,435
    Peoples National Bank , N.A. 2 South Park Avenue Herrin, IL 62948 Full Service B&M $7,374
    Peoples National Bank , N.A. 201 West Main Street Dahlgren, IL 62828 Full Service B&M $34,726
    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 $77,522
    Peoples National Bank , N.A. 2803 17th Street Marion, IL 62959 Full Service B&M $70,767
    Peoples National Bank , N.A. 301 East Main Street West Frankfort, IL 62896 Full Service B&M $19,781
    Peoples National Bank , N.A. 3280 Hampton Avenue Saint Louis, MO 63139 Full Service B&M $33,197
    Peoples National Bank , N.A. 400 East Broadway Centralia, IL 62801 Full Service B&M $110,598
    Peoples National Bank , N.A. 413 South 34th Street Mount Vernon, IL 62864 Full Service B&M $214,018
    Peoples National Bank , N.A. 445 North Commercial Street Harrisburg, IL 62946 Full Service B&M $116,931
    Peoples National Bank , N.A. 511 South Main Street Harrisburg, IL 62946 Full Service B&M $5,156
    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 $57,825
    Peoples National Bank , N.A. 901 West Broadway Centralia, IL 62801 Full Service B&M $50,326
    Peoples National Bank , N.A. 908 East Deyoung Street Marion, IL 62959 Full Service B&M $2,620

    For 2021, Peoples National Bank N.a. had 22 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $51,139
    Net interest income $47,688
    Total noninterest income $22,400
    Gross Fiduciary activities income $46
    Service charges on deposit accounts $1,761
    Trading account gains and fees $0
    Additional Noninterest Income $20,593
    Pre-tax net operating income $21,035
    Securities gains (or losses, -) $46
    Income before extraordinary items $20,864
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,864
    Minority interest net income $0
    Net income $20,864
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,818

    Peoples National Bank N.a.'s gross interest income from loans was $51,139,000.
    Peoples National Bank N.a.'s net interest income from loans was $47,688,000.
    Peoples National Bank N.a.'s fee based income from loans was $1,761,000.
    Peoples National Bank N.a.'s net income from loans was $20,864,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,451
    Provision for credit losses $5,300
    Total noninterest expense $43,753
    Salaries and employee benefits $26,741
    Premises and equipment expense $6,756
    Additional noninterest expense $10,256
    Applicable income taxes $217
    Net charge-offs $2,364
    Cash dividends $15,284

    Peoples National Bank N.a.'s interest expense for loans was $3,451,000.
    Peoples National Bank N.a.'s payroll and benefits expense were $26,741,000.
    Peoples National Bank N.a.'s property, plant and equipment expenses $6,756,000.

    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 4.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,382,880
    Deposits held in domestic offices $1,382,880
    Deposits by Individuals, partnerships, and corporations $1,078,458
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $304,181
    Deposits by Commercial banks and other depository institutions in U.S. $241
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $293,104
    Demand deposits $83,742
    Nontransaction accounts $1,089,776
    Money market deposit accounts (MMDAs) $49,936
    Other savings deposits (excluding MMDAs) $808,696
    Total time deposits $231,144
    Total time and savings deposits $1,299,138
    Noninterest-bearing deposits $407,807
    Interest-bearing deposits $975,073
    Retail deposits $1,332,822
    IRAs and Keogh plan accounts $29,742
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,549,912
    Cash & Balances due from depository institutions $176,038
    Interest-bearing balances $155,626
    Total securities $113,539
    Federal funds sold & reverse repurchase $8,481
    Net loans and leases $1,186,490
    Loan and leases loss allowance $15,598
    Trading account assets $0
    Bank premises and fixed assets $29,147
    Other real estate owned $1,025
    Goodwill and other intangibles $0
    All other assets $35,192

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,549,912
    Total Liabilities $1,423,868
    Total deposits $1,382,880
    Interest-bearing deposits $975,073
    Deposits held in domestic offices $1,382,880
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $35,000
    Subordinated debt $0
    All other liabilities $5,988

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,186,490
    Loan and leases loss allowance $15,598
    Total loans and leases (domestic) $1,202,088
    All real estate loans $856,481
    Real estate loans in domestic offices $856,481
    Construction and development loans $81,913
    Residential 1-4 family construction $23,766
    Other construction, all land development and other land $58,147
    Loans secured by nonfarm nonresidential properties $396,360
    Nonfarm nonresidential secured by owner-occupied properties $143,795
    Commercial real estate & other non-farm, non-residential $252,565
    Multifamily residential real estate $55,341
    1-4 family residential loans $79,787
    Farmland loans $243,080
    Loans held in foreign offices $0
    Farm loans $95,027
    Commercial and industrial loans $215,479
    To non-U.S. addressees $0
    Loans to individuals $4,839
    Credit card loans $0
    Related Plans $204
    Consumer Auto Loans $2,156
    Other loans to individuals $2,479
    All other loans & leases $30,262
    Loans to foreign governments and official institutions $0
    Other loans $9,611
    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 $815
    Non 1-4 family restructured loans & leases $744
    Total loans and leases (foreign) $0

    Peoples National Bank N.A. had $1,186,490,000 of loans outstanding in 2021. $856,481,000 of loans were in real estate loans. $81,913,000 of loans were in development loans. $55,341,000 of loans were in multifamily mortgage loans. $79,787,000 of loans were in 1-4 family mortgage loans. $95,027,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,156,000 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 $85,207 $197,696
    Nonfarm, nonresidential loans - <$100k 136 $5,588 $41,088
    Nonfarm, nonresidential loans - $100-250k 132 $13,532 $102,515
    Nonfarm, nonresidential loans - $250k-1MM 163 $66,087 $405,442
    Commercial & Industrial, US addressed loans - <$1MM 1,023 $63,631 $62,200
    Commercial & Industrial, US addressed loans - <$100k 724 $19,158 $26,461
    Commercial & Industrial, US addressed loans - $100-250k 162 $15,957 $98,500
    Commercial & Industrial, US addressed loans - $250k-1MM 137 $28,516 $208,146
    Farmland loans - <$1MM 770 $94,347 $122,529
    Farmland loans - <$100k 295 $13,523 $45,841
    Farmland loans - $100-250k 326 $39,593 $121,451
    Farmland loans - $250k-1MM 149 $41,231 $276,718
    Agriculture operations loans - <$1MM 610 $37,525 $61,516
    Agriculture operations loans - <$100k 358 $8,886 $24,821
    Agriculture operations loans - $100-250k 166 $13,888 $83,663
    Agriculture operations loans - $250k-1MM 86 $14,751 $171,523