# PEOPLES NATIONAL BANK N A
MOUNT VERNON, IL · FDIC certificate 3809 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $2.08B | |
| Deposits | $1.84B | |
| Loans and leases | $1.84B | |
| Total equity | $179.4M | |
| Loans / deposits | 98.56% (p82 of band) | 87.10% |
| Liquid assets / assets | 8.22% (p3 of band) | |
| Uninsured deposits / deposits | 26.41% (p35 of band) | 30.76% |
| Brokered deposits | 8.16% | |
| Wholesale funding | 10.46% (p67 of band) | |
| FHLB advances / assets | 2.30% | |
| Tier 1 leverage | 9.26% (p18 of band) | 10.50% |
| Unrealized securities loss / equity | -3.90% (p69 of band) | -7.75% |
| AOCI / equity | -0.14% (p61 of band) | |
| ROA (annualized) | 1.46% (p68 of band) | 1.26% |
| Net interest margin | 4.17% (p76 of band) | 3.70% |
| Efficiency ratio | 62.07% (p60 of band) | |
| Noncurrent loans | 0.84% (p68 of band) | 0.51% |
| Net charge-offs (annualized) | 0.21% (p86 of band) | |
| Reserve coverage of noncurrent | 142.08% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 28.10% (p28 of band) | |
| Auto loans | $828,000 (0.05% of loans; DQ 0.72%, NCO 0.00%) | |
| Loans to nondepository financials | $10.9M (6% of equity) (p84 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 274 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | liquid assets <10% |  |
| 2014-12 | 1 | capital falling | liquid assets <10% |
| 2015-03 | 1 | liquid assets <10% | capital falling |
| 2015-06 | 0 |  | liquid assets <10% |
| 2015-09 | 3 | liquid assets <10%, capital falling, reserve under noncurrent |  |
| 2015-12 | 1 |  | capital falling, reserve under noncurrent |
| 2016-03 | 2 | uninsured deposits leaving |  |
| 2016-06 | 3 | loans exceed deposits |  |
| 2016-09 | 3 | reserve under noncurrent | loans exceed deposits |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 3 | reserve under noncurrent |  |
| 2017-06 | 6 | loans exceed deposits, brokered >10%, noncurrent p90 |  |
| 2017-09 | 7 | wholesale funding >15%, capital falling | loans exceed deposits |
| 2017-12 | 6 |  | uninsured deposits leaving |
| 2018-03 | 7 | loans exceed deposits |  |
| 2018-06 | 5 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 4 |  | loans exceed deposits |
| 2018-12 | 4 | charge-offs p90 | capital falling |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | loans exceed deposits |  |
| 2019-12 | 5 | charge-offs p90 |  |
| 2020-03 | 3 |  | loans exceed deposits, charge-offs p90 |
| 2020-06 | 2 | loans exceed deposits | liquid assets <10%, noncurrent p90 |
| 2020-09 | 3 | charge-offs p90 |  |
| 2020-12 | 2 |  | loans exceed deposits |
| 2021-03 | 2 | capital falling | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | noncurrent p90 |  |
| 2021-12 | 2 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 0 |  | capital falling, charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 0 |  | construction >100% equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | noncurrent p90 |  |
| 2023-09 | 0 |  | noncurrent p90 |
| 2023-12 | 1 | liquid assets <10% |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | loans exceed deposits, capital falling |  |
| 2024-09 | 1 |  | loans exceed deposits, capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | loans exceed deposits |  |
| 2026-03 | 1 |  | loans exceed deposits |
| 2026-06 | 1 |  |  |

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

- 2025-11-05 [Recent property sales in Jersey County: Oct. 27-31 - Alton Telegraph](https://news.google.com/rss/articles/CBMinAFBVV95cUxQLXluUWNfcmxIVzVhMGxrZW9iS3hvTnlVd2RCRnl5SjRSbjlNcXhvNlYwbDhVSWszdC1CSVliQ3h0UzVzcGFrSHEyZzJPZGljV2psaDZ6TTZ6dmRzMXc3NUpHX3lpaEJQOTBvTmNnT0xUVzAtLXFvQ0p3TENFTnlrdmNkS2FEdnlaNGYtSmkwUGktTW0yaktETkVhajE?oc=5) · Alton Telegraph
- 2018-09-30 [Grand Rivers Community Bank says it has 'been fully cooperating with federal criminal investigators'; Peoples National Bank says it has 'not been advised of any investigation' - Southern Illinoisan](https://news.google.com/rss/articles/CBMimwJBVV95cUxPQWhOVkhVZG1FU0dnaTZ4anRvMURsdlg1MS1qbXJjVXlnZXBDLU5ZemdFSzhjQndCSXZMMTR5WUZGWlVtWTFEazg3X1FzMWJSX2NqN0xSaGU3WVhjdm52QWlmNlV5VV9KeXJBbUt0cVZRS01YWjNtSTdwcUJkZjJVVnlQNHpMUDMwUWVMaWhKRTBGVFhrQ1J5Vk9xMUhyWTNlT1hIUzhZSVpqd0RBZVgzSnFzeklBeDlKNE5wMzdMdm1oUkVBVTlPNlhRanNFRl9rdnlwUHFUcExZM2JmanlIVk5ESDlhNEFVTWZCM1lCbzVyOHlBb0E0aFI0cHFqc3IzMjZOMFhEdmlQUklHd3daQUo4b1ZzdGkya25v?oc=5) · Southern Illinoisan
- 2008-10-20 [Bill Bonan II named to SIU Board of Trustees - SIU News](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBjSHU3Wlcwck5sMTM5RnJ6eGpRekc2b0lrUl9uZm1razVCYWhLdXBRWjlpUkVpS2l0ZDAxdm43OVJfa1NLYVlSbjE1ZEt5clZ6R3lfcFNsNDh5UQ?oc=5) · SIU News
- 2020-10-14 [Real Deals: Commerce starts building Bentonville church with $22.7M permits - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPYkR3RjkwMlZVU1M2eHBpdXZQQzFUYU5PUGpJc1ROejF5UUF0amJXYVNCYnlOTkgtVTNLdGlnSXQ1cDhIanRuZG1qUldFd0RIc2RIelJkb0pGb3h3ay1lTmhaOWR1U0gwSlh2XzhMT2JGS0xhVmN4NDh4SngyZHBVR1JLWlZNTFJqVkViLTdxbE5KQW8tdGxxUEs4ZXhqWjBPU2Q3clNwZDRzRWs?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3809 (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/33.json (key "3809", 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