Peoples National Bank , N.A.: how it compares with its peers
Against 35 IL banks with half to twice its assets, Peoples National Bank , N.A.'s strongest measure in Q2 2026 is net interest margin (4.17% vs. a 3.53% peer median). Its weakest relative measure is assets per employee ($7.6M vs. $8.9M).
| Measure | Peoples National Bank , N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.32% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 3.53% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.07% | 51.28% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $8.9M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.56% | 83.83% | Context |
What it means for lending operations
Its efficiency ratio of 62.07% is above the 51.28% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Marquette Bank Chicago, IL · $2.09B
- American Commercial Bank & Trust, National Association Ottawa, IL · $2.07B
- Blackhawk Bank & Trust Milan, IL · $2.04B
- Bank of Springfield Springfield, IL · $2.00B
- First Bank Chicago Highland Park, IL · $2.23B
Questions about Peoples National Bank , N.A.
How big is Peoples National Bank , N.A.?
Peoples National Bank , N.A., established in 1909, is headquartered in Mount Vernon, IL. It reported $2.08B in total assets in its Q2 2026 FDIC call report and operates 24 offices.
What is Peoples National Bank , N.A.'s return on assets?
1.46% annualized in Q2 2026, against a 1.32% median for 35 IL banks with half to twice its assets, ahead of 71% of them.
What is Peoples National Bank , N.A.'s efficiency ratio?
62.07% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 51.28%, and lower is better.
Is Peoples National Bank , N.A. growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 8.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.