This institution is no longer active

Operations ceased on October 17, 1997. CRA examination history below reflects the period it was active.

PEOPLE'S BANK AND TRUST COMPANY

MOUNT VERNON, IN · Supervised by FDIC

Est. 1907FDIC #12,852RSSD: FDIC-12852

Part ofOLD NATIONAL BCORP→ View all charters

Outstanding Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.69%

Is this bank safe?

PEOPLE'S BANK AND TRUST COMPANY earned an Outstanding CRA rating (1995), is financially strong (ROA +1.69%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

402 Main Street, MOUNT VERNON, IN

County

Posey County

Established

January 1, 1907

Total Assets

$114M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1997Call Report / FDIC

Total Assets

$114M

Total Deposits

$86M

Net Loans

$80M

Net Income

$1M

ROA

1.69%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.61%

Risk-Based Capital

14.45%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.69%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.45%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 1995	Outstanding	Not Reported
Aug 1993	Outstanding	Not Reported
Mar 1990	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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