BlastPoint's Banking Scorecard
Peoples National Bank , N.A.
Designations: ✓ Community bank
Mount Vernon, IL
25 branches across IL · MO
Peoples National Bank , N.A. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 31.2% in tier
- - Efficiency Ratio 0.71% above tier average
- - Delinquency Rate 0.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+7.0% YoY
+0.4% QoQ
|
-$810.4M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$1.8B
+8.7% YoY
-0.9% QoQ
|
-$194.6M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$1.8B
+8.0% YoY
+2.9% QoQ
|
-$526.1M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
1.65%
+29.3% YoY
+5.2% QoQ
|
+0.28% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
4.14%
+12.5% YoY
+3.4% QoQ
|
+0.33% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
61.77%
-7.2% YoY
+2.3% QoQ
|
+0.71% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
1.01%
+25.9% YoY
+46.3% QoQ
|
+0.12% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
97.41%
+0.7% YoY
-3.7% QoQ
|
+13.21% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
19.81%
-1.7% YoY
+3.3% QoQ
|
-1.48% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.96%
+24.1% YoY
+33.5% QoQ
|
+0.28% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
9.92%
+1.0% YoY
+1.7% QoQ
|
-5.24% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.0% in tier |
| Non-Interest Income / Assets ? |
0.17%
+18.6% YoY
-74.6% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
60% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.