Peoples National Bank N A (FDIC #3809): Bank Stress & Real-Estate Credit Exposure

Peoples National Bank N A (FDIC Cert #3809): bank stress 66/100, elevated, STABLE over 7 days; parent MARKET STREET BANCSHARES INC.

Peoples National Bank N A (#3809) lends in 12 counties across 2 states; Peoples National Bank N A (#3809) reaches 182 ZIP codes: Illinois 10 counties, 117 ZIPs; Missouri 2 counties, 65 ZIPs.

Peoples National Bank N A (#3809) largest markets: St. Louis County, MO (94 branches, 47 ZIPs) (#3809), St. Louis County, MO (30 branches, 30 ZIPs) (#3809), Williamson County, IL (66 branches, 22 ZIPs) (#3809), Wayne County, IL (20 branches, 20 ZIPs) (#3809), Franklin County, IL (38 branches, 19 ZIPs) (#3809), Clinton County, IL (17 branches, 17 ZIPs) (#3809).

Peoples National Bank N A (#3809) reports $2.08 billion in total assets; Peoples National Bank N A (#3809) equity $179.4 million (8.6% of Peoples National Bank N A (#3809) assets); Peoples National Bank N A (#3809) domestic deposits $1.84 billion; Peoples National Bank N A (#3809) net income $14.9 million; Peoples National Bank N A (#3809) return on assets 1.46%; Peoples National Bank N A (#3809) return on equity 16.71%; Peoples National Bank N A (#3809) net interest income $39.9 million; Peoples National Bank N A (#3809) call report June 30, 2026.

Peoples National Bank N A (#3809) noncurrent real-estate loans 0.09% of its book; Peoples National Bank N A (#3809) residential 0.17%; Peoples National Bank N A (#3809) net charge-offs on real estate 1.19%; Peoples National Bank N A (#3809) multifamily charge-offs 0.53%; Peoples National Bank N A (#3809) residential charge-offs 2.05%.

Peoples National Bank N A (#3809) net interest margin 4.17% against an eight-quarter Peoples National Bank N A (#3809) average of 3.87% (Peoples National Bank N A (#3809) compression -0.30 points); Peoples National Bank N A (#3809) real-estate loans 8.9% of equity; Peoples National Bank N A (#3809) non-residential real estate 205.5% of equity; Peoples National Bank N A (#3809) rate-exposure score 40/100, Peoples National Bank N A (#3809) fixed-rate trap 40/100; Peoples National Bank N A (#3809) risk type credit driven; Peoples National Bank N A (#3809) rate regime rates elevated, Peoples National Bank N A (#3809) snapshot October 20, 2026.

Peoples National Bank N A (#3809) stress score moved from 60.3 on June 22, 2026 to 66.2 on October 20, 2026; Peoples National Bank N A (#3809) ranged 60.3 to 66.2 over 117 snapshots.

Peoples National Bank N A (#3809) alerts: 11 counties; top Peoples National Bank N A (#3809) alert scores: Marion County, IL 50 (moderate); Carmi County, IL 24 (low); Centralia County, IL 24 (low); Fairfield County, IL 24 (low); Harrisburg County, IL 24 (low).