Peoples National Bank , N.A.
Total assets
$2.08B
▲ +11.0% YoY
Deposits
$1.84B
▲ +8.2% YoY
Loans
$1.82B
▲ +8.6% YoY
Offices
25
MARKET STREET BANCSHARES INC
ROA (annualized)
1.46%
peers 1.26%
ROE (annualized)
16.71%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +5.5% | +5.6 pts |
| Deposit growth (YoY) | +8.3% | +5.1% | +3.2 pts |
| Loan growth (YoY) | +8.6% | +5.9% | +2.7 pts |
| ROA | 1.46% | 1.26% | +0.2 pts |
| ROE | 16.7% | 12.2% | +4.5 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1909
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- MARKET STREET BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 520 S 42nd St, Mount Vernon, IL, 62864
- County
- Jefferson
- Metro area
- Mount Vernon, IL
- Offices
- 25
- FDIC cert #
- 3809
- RSSD ID
- 375043
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.08B | $1.84B | $1.82B | $179.4M | $14.9M | 1.46% | 4.17% | 0.81% |
| Q1 2026 | $2.01B | $1.82B | $1.77B | $177.9M | $8.2M | 1.65% | 4.14% | 0.96% |
| Q4 2025 | $2.00B | $1.77B | $1.79B | $175.9M | $30.1M | 1.56% | 4.01% | 0.72% |
| Q3 2025 | $1.95B | $1.78B | $1.74B | $167.0M | $21.3M | 1.49% | 3.90% | 1.10% |
| Q2 2025 | $1.88B | $1.70B | $1.67B | $161.2M | $13.9M | 1.47% | 3.82% | 0.79% |
| Q1 2025 | $1.87B | $1.68B | $1.63B | $158.7M | $6.0M | 1.27% | 3.68% | 0.77% |
| Q4 2024 | $1.91B | $1.71B | $1.64B | $155.2M | $21.1M | 1.19% | 3.65% | 0.83% |
| Q3 2024 | $1.80B | $1.63B | $1.60B | $153.1M | $14.1M | 1.08% | 3.62% | 0.91% |
Loan mix (Q2 2026): real estate $1.26B · commercial $407.4M · consumer $3.4M · securities $85.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.26% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.2% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.70% | 76th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 59.0% | 60th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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