# PEOPLES NATIONAL BANK
COLORADO SPRINGS, CO · FDIC certificate 22211 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $393.0M | |
| Deposits | $310.5M | |
| Loans and leases | $300.5M | |
| Total equity | $41.7M | |
| Loans / deposits | 95.79% (p75 of band) | 85.15% |
| Liquid assets / assets | 19.25% (p37 of band) | |
| Uninsured deposits / deposits | 22.90% (p55 of band) | 21.69% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.61% (p60 of band) | |
| FHLB advances / assets | 8.61% | |
| Tier 1 leverage | 10.34% (p53 of band) | 10.22% |
| Unrealized securities loss / equity | -2.13% (p20 of band) | -0.60% |
| AOCI / equity | -0.47% (p10 of band) | |
| ROA (annualized) | 1.88% (p93 of band) | 0.90% |
| Net interest margin | 4.11% (p78 of band) | 3.66% |
| Efficiency ratio | 75.87% (p79 of band) | |
| Noncurrent loans | 0.41% (p41 of band) | 0.54% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | 250.65% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 92.86% (p87 of band) | |
| Auto loans | $67,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.5% | |
| Employees | 269 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | loans exceed deposits, wholesale funding >15% | reserve under noncurrent |
| 2013-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 2 | wholesale funding >15% |  |
| 2015-09 | 3 | loans exceed deposits |  |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 2 |  | wholesale funding >15%, loans exceed deposits |
| 2016-06 | 2 | loans exceed deposits | capital falling |
| 2016-09 | 2 | wholesale funding >15% | reserve under noncurrent |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2017-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2017-09 | 1 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2017-12 | 2 | assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-12 [Trust Peoples National Bank for expertise in personal and business banking - West Newsmagazine](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPM1RyN3V4cVNUVVBSLW8zdE82NmIyVDYwdUE1VDNEdk5UdEdtZk12QlJoUGZwVmE4a1VTbFA1RlRlTEozWHZOS2QxdnUwcnhwMlBxNlB5SGp4b1lhbjBMS3dIWkhyZkRoc0RLWXIweHRsemg1ZjJuc19YRVFIamFsVGtwdTdQVnlRdDRkaDdDM3RhNl9kSHc5cHZqNVpqNjY2akJVU09VOXhya0hYUW84eUFycXZYa0xMOWxDeTAwSFdTc2JNVzN3NVJhYjlzNkx4MkNLUnEyNlNFNVNUaTBIS2ZnVTFHc0VFVFFGRGxvM09hSUZramNaOTB3?oc=5) · West Newsmagazine
- 2026-07-10 [Have you noticed a missing State College landmark? Clock repairs on the way - Centre Daily Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxNOFRsMDJJUW9tWmtpMFEwWFp2QVVqUWZoc1JlUU9HSmpNendFUFM2UUNyMVVpMDdUR19Fc2k4MW1CQ0ZpcnNjWVNRT3hRUDlhcHMzR19vVDQzX3k2ZlhBSWZzY1BFbE1wUEhYVmtueXNBTEU3cU14UU5BVXp0VlJjSkR5SWNJcHl5bkN1aNIBjAFBVV95cUxNVzVSSW5xNlpGSjBBMFJGdUZROERsd0Z4eDFDR2xCX0h1NjhuWVpIakd1Y0xEaVZfNjNVdHM0Y1FBR1BMZjBQUGR1UWpnUUR3UGxaWFZFVDE5RjkwMjBPdEFqTnVVTUs1REt3OTJ6R29SbnNPalVidEFOT181S3dRQ2JqVkNXZl9sN2c4Wg?oc=5) · Centre Daily Times
- 2026-09-01 [WAYNE COUNTY PROPERTY TAX BILLS FIRST INSTALLMENT DUE FRIDAY - wfiwradio.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxORXNvLUdoaGpZbDhYb1ZCTjZXQnNBQ1l2LTZNS2VTeUo2VXdkN19OdXREU1NvQXo0X3ptRm9nVU51WmZvSGFuNVlnRWE0UGdVSFlCMzhSQmswSG1PVlNiRUR3X3F0NHpFb2xZajBHSkMwSlZxVGlmS1FqQm5iRGFnRlhpYkE4SXBubnIwLUVIZTN6amxpLVlSMUR4WlN5RTA?oc=5) · wfiwradio.com
- 2017-09-08 [Peoples National Bank ordered to pay $16M to Herrin brothers who lost their Taco John's business - Southern Illinoisan](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQZUNMQmtVRXRoeVFjaEpWamVxbHdvYkhKa3hxZ0pfQnFJSHNXdUE0YmFOWnBzMl8xMFdZWURHbXZDYUZVaDBEWm00dm9LVnNFVGcwSGsxV3dBTDJkXzhZOWFFWmswV3kyWm9fUGc2cGtVc3hXci01WG5teEZReENrd01Id1dVeGlmX0ZsSTJ3SllmT2lLTmlWckQtMVQ5ZElEdVZMdGNsMFR2WXZSTlJoalVyTTUwOGtOYXIyWlVBY2o5VHI4ck9XYjZyWlZmRmpsVnBSRElGYVpHaE11QU5sX05oSVZJOVE5OXduTGRXSlh1VExRbTdyWV9UeXhUazg?oc=5) · Southern Illinoisan
- 2017-07-19 [National Bank Holdings Corporation to buy Peoples Bank for $36.3 million - The Taos News](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQZWxUb0FSX2ZQWC1YOXc2UmExanlHWU9YRDZqWE1UZ2U2ZUFhU3kzbkhtdUpGZlprZGNrbnVjOV9jNzlrUXA5Wl9hTHBjT0l5aUYxVTVWalYzZElRTDAyYVdzWXVPVEZDV2kyT0w5MkUtM1BXV09ET2l0MUVCcngwMHRYVEVaeUpHN1VfTzdrN2pQQ2prQ0pHWktSREhWLUk5MjRCbm9QWElMSmI5S0w4WTgzUnE1elBfVGxneExjdmRINmFMcXQxVkxKdzZHUWZCLWlscXNMVlVtVEJJRGJURWVBZEF1a3oxcXZqTllzTnlPdw?oc=5) · The Taos News
- 2016-07-29 [More than $16M verdict reached against McLeansboro, IL bank - KFVS12](https://news.google.com/rss/articles/CBMinAFBVV95cUxOblYzSVlxZkdrUGlkX2JYeGlHalpmWG80c1dCeTFadWhKTEZiRTlEU2NxS2ZrM1N0cVQydVVyNmJTOGhwcG5LT3BrZjV2M05zSmh3cG5ocS0wVjBhMUd1QjA4UmE2bmhpdi1RTU1pdnFnS3N2V1ZLa1hTQmtZTmd4UXNEZ0E1MGQzSkhuajZuUXc1Smp3UElDVllDVVXSAa8BQVVfeXFMTW9qc0dqNjJhLXpJZGhuRDk1dll6OHNzdVF5Ti1fSTJTbmNuWTdwNnVTU1hadlpLcnc4Rm5Uc3ZqdC1xWWRjYmxoeHNRRHFVTzM1NDdpUklNWFBDWmdqRlQ3OFYxN2Yyb0VEQlRoQ2JUamRaYzg3bU84LUZGY19nY3Z0VnRzSjBEZ0JmQUNLdmFoUEtLdmhxb1VucTBoYURyaXduaTdOSF9fNmpSVW44MA?oc=5) · KFVS12
- 2017-06-26 [National Bank Holdings to boost operations in Colo., Kan. with latest deal - American Banker](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSkZ1X2tMWGhpa2xldEVjODlkaUtqdUJFY2FlcWZ2OHF6X2NkckpoTS05cmIyalhHTHU3ekJPV0I3RUowU2YxZ3J5QkRfWXp2MlNxWXF2aWlQWFpidWhGWG1xMENMaFNDMnBpZUhOU3pwZGpldnYyZV95TTVwNE9YNXpBZWNad3JLV01STWN3M2lWeWtjOUxaTEMxRDg1QW1kdFlqTmdzaURRVjQ?oc=5) · American Banker
- 2026-05-28 [Peoples National Bank presents scholarships - morningsentinel.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZTZLNUloQ2wyR1NGbTFjTVg4eHpsWVU2dkNlUEE1MTFiUm9CWm0xS2FsSE0wZE11aUlCbW9HR29MYnN5eWswRDFqTl9QNXdxWVBVS1QtbzlMYkdFWHVVOElqOXNaVUdiTHlHcExGeFVDd1Y4emh6dXctUWtPWmlNUHZrRFN4ZnN6YjA1bUJmX2FpYjBrZE1KZWxwMA?oc=5) · morningsentinel.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22211 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "22211", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide