🏦Bank Scorer

PEOPLES NATIONAL BANK OF KEWANEE

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

Est. 1928FDIC #926
Satisfactory Down

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.64%

Institution Profile

FDIC BankFind

Address

207 N Tremont St, KEWANEE, IL

County

Henry County

Established

March 1, 1928

Total Assets

$589M(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

October 28, 2024

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$589M

Total Deposits

$520M

Net Loans

$170M

Net Income

$947K

ROA

0.64%

Above avg for Small banks. Peer avg: 0.44%

ROE

6.58%

Risk-Based Capital

15.76%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.64%Peer avg: 0.44%▲ Above avg
Risk-Based Capital15.76%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate10.45%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$513M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246782.09%10.45%
20238264.63%19.51%
20196459.38%25.00%
20188065%22.50%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam DateRatingExam Type
Oct 2024SatisfactoryIntermediate Small Bank
Oct 2021OutstandingIntermediate Small Bank
Apr 2019OutstandingSmall Bank

4 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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