🏦Bank Scorer

PEOPLES NATIONAL BANK, N.A.

MOUNT VERNON, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1909FDIC #3,809
Satisfactory Down

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.65%

Institution Profile

FDIC BankFind

Address

520 S 42nd St, MOUNT VERNON, IL

County

Jefferson County

Established

March 1, 1909

Total Assets

$2.0B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

May 7, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.0B

Total Deposits

$1.8B

Net Loans

$1.8B

Net Income

$8M

ROA

1.65%

Above avg for Community banks. Peer avg: 0.90%

ROE

18.61%

Risk-Based Capital

11.13%

Below avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.65%Peer avg: 0.90%▲ Above avg
Risk-Based Capital11.13%Peer avg: 12.91%▼ Below avg
Mortgage Denial Rate8.88%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

23

Branch Deposits

$1.7B

1-Year Change

+1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202360879.61%8.88%
202295373.77%8.18%
20211,67078.02%6.41%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
May 2024SatisfactoryIntermediate Small Bank
Mar 2021OutstandingIntermediate Small Bank
Jan 2018SatisfactoryIntermediate Small Bank

6 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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