BlastPoint's Banking Scorecard
Peoples National Bank , N.A.
Community
Specialty: Agricultural
IL
FDIC cert 3809
Mount Vernon, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Peoples National Bank , N.A. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 47% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+4.6% YoY
+2.2% QoQ
|
+$606.0M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.8B
+9.0% YoY
+2.9% QoQ
|
+$810.9M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$1.8B
+3.5% YoY
-0.5% QoQ
|
+$601.7M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
1.56%
+31.2% YoY
+5.0% QoQ
|
+0.40% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.01%
+9.7% YoY
+2.8% QoQ
|
+0.34% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
60.39%
-9.5% YoY
-3.2% QoQ
|
-2.24% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.69%
-20.3% YoY
-38.6% QoQ
|
+0.06% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
101.14%
+5.3% YoY
+3.4% QoQ
|
+18.08% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.18%
-5.8% YoY
+3.3% QoQ
|
-1.87% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.72%
-13.8% YoY
-35.1% QoQ
|
+0.22% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
9.75%
+0.8% YoY
+2.0% QoQ
|
-0.49% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.66%
+13.7% YoY
+34.5% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#175 of 371 · Top 47% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.56%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
76
76th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.16%
70
70th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
55
55th pctile
Efficiency Ratio
Current: 60.39% · Tier avg: 62.63%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.18% · Tier avg: 21.05%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.75% · Tier avg: 10.24%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.14% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 101.14% · Tier avg: 83.06%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.75% · Tier avg: 10.24%
36
36th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.63%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.18% · Tier avg: 21.05%
55
55th pctile
Efficiency Ratio
Current: 60.39% · Tier avg: 62.63%
66
66th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
70
70th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
76
76th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.16%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M