Peoples Bank&Trust (FDIC #17320): Bank Stress & Real-Estate Credit Exposure
Peoples Bank&Trust (FDIC Cert #17320): bank stress 45/100, moderate, STABLE over 7 days; parent PEOPLE FIRST BANCSHARES INC.
Peoples Bank&Trust (#17320) lends in 9 counties across 1 state; Peoples Bank&Trust (#17320) reaches 148 ZIP codes: Illinois 9 counties, 148 ZIPs.
Peoples Bank&Trust (#17320) largest markets: Sangamon County, IL (30 branches, 30 ZIPs) (#17320), Macoupin County, IL (28 branches, 28 ZIPs) (#17320), Shelby County, IL (22 branches, 22 ZIPs) (#17320), Christian County, IL (80 branches, 20 ZIPs) (#17320), Morgan County, IL (16 branches, 16 ZIPs) (#17320), Coles County, IL (16 branches, 16 ZIPs) (#17320).
Peoples Bank&Trust (#17320) reports $656.6 million in total assets; Peoples Bank&Trust (#17320) equity $69.9 million (10.6% of Peoples Bank&Trust (#17320) assets); Peoples Bank&Trust (#17320) domestic deposits $522.2 million; Peoples Bank&Trust (#17320) net income $6.8 million; Peoples Bank&Trust (#17320) return on assets 2.16%; Peoples Bank&Trust (#17320) return on equity 22.11%; Peoples Bank&Trust (#17320) net interest income $15.0 million; Peoples Bank&Trust (#17320) call report June 30, 2026.
Peoples Bank&Trust (#17320) noncurrent real-estate loans 0.03% of its book; Peoples Bank&Trust (#17320) net charge-offs on real estate 3.09%; Peoples Bank&Trust (#17320) multifamily charge-offs 0.90%; Peoples Bank&Trust (#17320) residential charge-offs 7.05%.
Peoples Bank&Trust (#17320) net interest margin 5.15% against an eight-quarter Peoples Bank&Trust (#17320) average of 4.87% (Peoples Bank&Trust (#17320) compression -0.29 points); Peoples Bank&Trust (#17320) real-estate loans 2.9% of equity; Peoples Bank&Trust (#17320) non-residential real estate 704.6% of equity; Peoples Bank&Trust (#17320) rate-exposure score 40/100, Peoples Bank&Trust (#17320) fixed-rate trap 40/100; Peoples Bank&Trust (#17320) risk type credit driven; Peoples Bank&Trust (#17320) rate regime rates elevated, Peoples Bank&Trust (#17320) snapshot October 19, 2026.
Peoples Bank&Trust (#17320) stress score moved from 52 on June 22, 2026 to 45.1 on October 19, 2026; Peoples Bank&Trust (#17320) ranged 45.1 to 52 over 116 snapshots.
Peoples Bank&Trust (#17320) alerts: 9 counties; top Peoples Bank&Trust (#17320) alert scores: Altamont County, IL 19 (low); Charleston County, IL 19 (low); Palmyra County, IL 19 (low); Springfield County, IL 19 (low); Taylorville County, IL 19 (low).