BlastPoint's Banking Scorecard

Peoples National Bank , N.A.

$1B-$10B Specialty: Agricultural IL FDIC cert 3809

Designations: ✓ Community bank

Mount Vernon, IL

25 branches across IL · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +8.2% year over year ($1.8B on the books).
Delinquency rate 0.85%.
Return on assets 1.46%.
Efficiency ratio 62.07% vs a 59.73% peer average.
Loan-to-deposit ratio 98.56% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Peoples National Bank , N.A. has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.07% above tier average
+ Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 38.3% in tier
- Efficiency Ratio 2.34% above tier average

Get updates when Peoples National Bank , N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$2.1B +11.0% YoY +3.9% QoQ	-$709.6M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$1.8B +8.6% YoY +2.7% QoQ	-$146.0M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	63%
Total Deposits ?	$1.8B +8.2% YoY +1.5% QoQ	-$475.2M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	1.46% -0.6% YoY -11.0% QoQ	+0.07%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	4.17% +9.1% YoY +0.6% QoQ	+0.30%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	62.07% -2.1% YoY +0.5% QoQ	+2.34%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	40%
Delinquency Rate ?	0.85% +5.5% YoY -15.5% QoQ	-0.02%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	98.56% +0.3% YoY +1.2% QoQ	+13.53%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	19.44% -0.9% YoY -1.9% QoQ	-1.83%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	48%
Nonperforming Asset Ratio ?	0.81% +2.1% YoY -15.4% QoQ	+0.13%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	28%
Tier 1 Capital Ratio ?	9.75% +0.3% YoY -1.7% QoQ	-5.09%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 3.8% in tier
Non-Interest Income / Assets ?	0.31% -11.4% YoY +82.5% QoQ	-0.22%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	19.4% -0.2pp YoY -0.4pp QoQ	-1.9pp	21.4%	20.1%	22.2%	48%
Brokered Deposits	9.2% +2.7pp YoY +3.5pp QoQ	-0.2pp	9.5%	8.0%	8.5%	66%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	22.4% +1.2pp YoY +0.2pp QoQ	+8.4pp	14.0%	14.7%	12.5%	85%
CRE	43.8% -3.0pp YoY -1.2pp QoQ	-6.2pp	50.0%	37.9%	41.4%	33%
1-4 Family	7.2% +0.3pp YoY 0.0pp QoQ	-19.3pp	26.4%	28.3%	31.3%	10%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	5.4%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	9.8% 0.0pp YoY -0.2pp QoQ	-5.8pp	15.6%	19.9%	19.7%	0%
Leverage Ratio	9.3% +0.1pp YoY +0.1pp QoQ	-2.1pp	11.3%	12.2%	12.6%	17%
Total Capital Ratio	10.9% +0.1pp YoY -0.2pp QoQ	-5.8pp	16.7%	20.9%	20.8%	1%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	274 -1 (-0.4%) YoY +2 (+0.7%) QoQ	-40	313	228	482	60%
Assets per Employee ($)	$7.6M +11.5% YoY +3.1% QoQ	-$2.9M	$10.5M	$8.3M	$8.8M	33%
Branch Count	25 0 YoY 0 QoQ	+5	20	10	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.8% 0.0pp YoY -0.2pp QoQ	0.0pp	0.8%	1.1%	1.0%	68%
Allowance Coverage	1.42x -4.6% YoY +14.2% QoQ	-17.29x	18.71x	5.62x	20.23x	37%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY +0.2pp QoQ	0.0pp	0.3%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	16.7% -0.8pp YoY -1.9pp QoQ	+4.1pp	12.6%	10.5%	11.6%	81%
Cost of Funds (YTD)	2.0% -0.2pp YoY -0.1pp QoQ	+0.1pp	1.9%	1.6%	1.7%	58%
Net Income ($, YTD)	$14.9M +6.9% YoY — QoQ	-$4.4M	$19.2M	$11.7M	$40.4M	59%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#155 of 402 • Bottom 38.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

211

Net Interest Margin

profitability

Value: 4.17%

Peer Median: 3.87%

#211 of 885 Top 23.7% in $1B-$10B

Top Weaknesses (2 metrics)

852

Tier 1 Capital Ratio

capital

Value: 9.75%

Peer Median: 14.84%

#852 of 885 Bottom 3.8% in $1B-$10B

725

Loan-to-Deposit Ratio

liquidity

Value: 98.56%

Peer Median: 85.04%

#725 of 885 Bottom 18.2% in $1B-$10B