# PEOPLES NATIONAL BANK
EASLEY, SC · FDIC certificate 26753 · asset band $300M-1B · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $303.8M | |
| Deposits | $256.6M | |
| Loans and leases | $174.1M | |
| Total equity | $36.3M | |
| Loans / deposits | 66.15% (p30 of band) | 74.71% |
| Liquid assets / assets | 34.28% (p60 of band) | |
| Uninsured deposits / deposits | 2.70% (p5 of band) | 12.43% |
| Brokered deposits | 2.53% | |
| Wholesale funding | 5.12% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.91% (p58 of band) | 9.54% |
| Unrealized securities loss / equity | 10.83% (p91 of band) | 3.32% |
| AOCI / equity | 1.02% (p93 of band) | |
| ROA (annualized) | 0.86% (p54 of band) | 0.80% |
| Net interest margin | 4.09% (p76 of band) | 3.67% |
| Efficiency ratio | 85.11% (p86 of band) | |
| Noncurrent loans | 5.11% (p82 of band) | 1.96% |
| Net charge-offs (annualized) | 0.42% (p76 of band) | |
| Reserve coverage of noncurrent | 48.91% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 59.72% (p73 of band) | |
| Auto loans | $1.4M (0.81% of loans; DQ 1.07%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p46 of band) | |
| Deposits YoY | -8.9% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **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 | 1 |  | construction >100% equity |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |

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

- 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
- 2024-12-18 [Glimpses of Greenville: People’s National Bank - Greenville Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPT3NsbU1KM0puZVBhYnRwSHB4czZoeEdadU5KdG9POFNwVHdhWFlqbVEwOHNuNWJtdjVTNWN2NnN6a0xkV1pjLU1JZE9Wckl2cUU4bXdVSi1LWlFNaEdRTlU5MXVCd2NUV19TX0IyOFdyT1dyWVExQmtkYUJ0ZW5rVjAtWXFvSUR3MGJB?oc=5) · Greenville Journal
- 2023-10-02 [Peoples National Bank – Brenda Bader Tucker - West Newsmagazine](https://news.google.com/rss/articles/CBMizgFBVV95cUxOaVJKa3QyVW1GcGN6NkZnU25SS0F4N1ViU3hEcXJ5SlVhR3VXcDljbmgyRE9yRzhfMW9HMEQzSmJhaERnejEwYmpnU2huZkpsQXJWbkFHbzdQczZfVGNhcWxqQWY5VlBWQ2JfbHlaM0VxRjQ0NGZOWHA3OFV0SklGQmdRWkMtdk1tUHZkeTFNRy13SFExcG9XVm9PRXhxRTNlb09WU3BNdkZodlM0cXFiVnR1SlkwOURyVXR4WURDdFdtWjBfT18zeXdLMm9Zdw?oc=5) · West Newsmagazine
- 2021-05-03 [After almost 70 years in Downtown Conway, this Main Street building might not house a bank - myhorrynews.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOc1UxQ21mQWhZaTJGbkhDMGVJSnVVZkxkVTBhelE4dG4wdlNNeWl0dnJacXF5VEpxeFRSUDlpY1laRlVVUnFEN2puUEI5SDhiaEMwbWJUTTRHUjVLUnVoV29sY00xTmN2QXNrSnFJNlBVRnBldUNlY3pXSmpLcERUZmZLN1k3Nl9WNHhaa1lxOVJuR3JNLTRuQWp0aXlnNURpNzZmLXlGc0gwbVVLa0pZTzM1TDZlZWRnc3JPbFVuUE9aN2Z6WHhQN0dJTTAtTl9NXzdqZW1jM3VkOEVMdTMzSHdwUDlMYnBuYXR4LWFfTUloVUZvNkY2VVpmdw?oc=5) · myhorrynews.com
- 2015-02-18 [Peek Through Time: Jackson's 'magnificent' Peoples National Bank named national historic site - MLive.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPQk9ULXdZaHNST0pWT0xwbEd5VjFtdDFqdGJ3SWR4Ym0xbG9xTGxsT2RUYy01NWVkTHprUHREWmVrMEhyZkxhZ1dfY3g3MFowQUw2b1ZsampHUnZqYmFjQTF0aEJ1amJ3NDFPd29hNUFjLW5XMjNJaFQ0Q21PTGkzRXc2RlA?oc=5) · MLive.com
- 2024-08-30 [Water intrusion destabilizes Peoples Building, forces evacuation of Charleston's oldest high-rise - Post and Courier](https://news.google.com/rss/articles/CBMizwFBVV95cUxNY2FjVUhGSmdjeWI3TnIydC1QVmlvUUhjNGhrSlhqQ1pPTF9CdEZuOERqcVFxa0VGSGY1S3RtbG5SeFlGWlVpYXlHSmpvZkpkanQtbUc2dHc2djlfX1YwNXEtVmtRTW4zcmlCRTZobndFdmlsUFNXRUJPZE5yTkhmOGs3ZjZxRVRzQjZUTTB5MUplRTNiMlUzaXJZVHFJS0piVTVKelVNR1ozcGViMGRkd3ZlSmQ2Y0kwSW1xTnlyYW1EWGJWQ1NBaWY3eTRGQWM?oc=5) · Post and Courier
- 2015-12-02 [Phillips Hungerford ’51 - Princeton Alumni Weekly](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5oaGdyMkZ3ZkR4RTdBbmJqdFRLbms0WUNtNE1wUC1rVzZOYzllY0tvM000ZVA4dDJNb1BfbVJZUU1vYTkyd0N2MTVrQ05DM0FCNXhhcTJqbDZ3UU9iaUNUYmhxUEhZQTgx?oc=5) · Princeton Alumni Weekly
- 2018-08-23 [Charleston’s first skyscraper - 6AM City](https://news.google.com/rss/articles/CBMihwFBVV95cUxQdmREX2F3UFF2VF9rNU9QUTFUdC1DWEVWdU9UbDQ2bWFUUDVfVEpYeVo2YUM4dG51eFZVcXJOcGVaeUdCZzJjb2xtRkVEV3VRRWlwVVhZRVRQeXFyYTA1WGpFcDhGVlMtSmx0Xy13OVdVSjk5b0luU042UWxKbkY3MjZJRnhLUDg?oc=5) · 6AM City

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26753 (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/1.json (key "26753", 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