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Peoples National Bank N.A.

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Peoples National Bank N.A. Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples National Bank N.A. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Peoples National Bank N.A. rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Peoples National Bank N.A., and you can see how they compare in the Peoples National Bank N.A. rate tables below. MonitorBankRates evaluates the financial stability of Peoples National Bank N.A. with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.78%. Database rates last updated and verified on 08/30/2026.

Peoples National Bank N.A. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Peoples National Bank N.A.? Share your experience about Peoples National Bank N.A. by leaving a review below, or read customer reviews before you decide to use Peoples National Bank N.A..

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.78%

Excellent Higher than avg

Peoples National Bank , N.A.

520 S 42nd St
Mount Vernon, IL 62864

https://www.peoplesnationalbank.com

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Peoples National Bank N.A. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Peoples National Bank N.A. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Peoples National Bank N.A.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Peoples National Bank N.A.

Bank Holding Company MARKET STREET BANCSHARES INC

Address 520 S 42nd St, Mount Vernon, IL 62864 · Jefferson

Website https://www.peoplesnationalbank.com

FDIC Certificate # 3809

Established 03/01/1909

FDIC Insurance Date 01/01/1934

Domestic Offices 25

Total Branches 25

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2037%

Return on Equity (ROE) 15.2800%

Non-Performing Loans (NPL) 0.66%

Total Assets $1,997,437,000

Total Deposits $1,766,279,000

Equity Capital $175,878,000

Net Income $30,058,000

Headquarters Mount Vernon

Total Branches and Offices 25

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Peoples National Bank N.A.

How many branches does Peoples National Bank N.A. operate?

Peoples National Bank N.A. currently maintains approximately 25 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Peoples National Bank N.A. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples National Bank N.A. provides members with tools to manage their accounts and build a solid financial history.

Does Peoples National Bank N.A. offer online and mobile banking?

Most modern institutions like Peoples National Bank N.A. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.peoplesnationalbank.com.