Bank · FDIC insured
Peoples National Bank
A $2.1B bank headquartered in Mount Vernon, IL, with 22 branches in 2 states. Best rates: CDs 3.45% and savings 0.49% APY.
Peoples National Bank Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#69 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Peoples National Bank
Tracing its roots to 1893 and chartered as a national bank in 1909, Peoples National Bank is owned by bank holding company Market Street Bancshares, Inc.
The locally owned institution serves Southern Illinois and the St. Louis Metro area, operating a corporate and operations center in Mt. Vernon, Illinois.
- Headquarters
- 520 S 42nd St, Mount Vernon, IL 62864
- FDIC certificate
- 3809 ↗
Branches
22 branches in 2 states
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Illinois
19 branches
Marion area · 3
- Herrin Branch2 S Park Ave, Herrin, IL 62948Directions
- Marion Branch2803 17th St, Marion, IL 62959Directions
- Marion East Branch908 E Deyoung St, Marion, IL 62959Directions
Centralia area · 2
- Centralia Branch400 E Broadway, Centralia, IL 62801Directions
- Salem Branch102 Cross Creek Blvd, Salem, IL 62881Directions
Harrisburg area · 2
- Harrisburg Branch511 S Main St, Harrisburg, IL 62946Directions
- Harrisburg Main Branch445 N Commercial St, Harrisburg, IL 62946Directions
McLeansboro area · 2
- Drive-Up Facility202 E Randolph St, McLeansboro, IL 62859Directions
- Mcleansboro Branch122 S Washington St, McLeansboro, IL 62859Directions
Mount Vernon area · 2
- Mount Vernon Branch413 S 34th St, Mount Vernon, IL 62864Directions
- Mt Vernon East Branch522 Main St, Mount Vernon, IL 62864Directions
Benton area · 1
- Benton Branch208 Public Sq, Benton, IL 62812Directions
Carmi area · 1
- Carmi Branch180 Commerce St, Carmi, IL 62821Directions
St. Louis area · 1
- Centralia West Branch901 W Broadway, Centralia, IL 62801Directions
Dahlgren area · 1
- Dahlgren Branch201 West Main Street, Dahlgren, IL 62828Directions
Eldorado area · 1
- Eldorado Branch1015 Us Route 45 North, Eldorado, IL 62930Directions
Fairfield area · 1
- Fairfield Branch1001 W Delaware St, Fairfield, IL 62837Directions
Shawneetown area · 1
- Shawneetown Branch301 N. Lincoln Blvd W., Shawneetown, IL 62984Directions
West Frankfort area · 1
- West Frankfort Branch301 E Main St, West Frankfort, IL 62896Directions
Missouri
3 branches
- Clayton Branch8021 Forsyth Blvd, Clayton, MO 63105Directions
- Hampton Branch3280 Hampton Ave, St. Louis, MO 63139Directions
- Town & Country Branch14323 South Outer 40 Rd Ste 100, Town and Country, MO 63017Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.26% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.84% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.46% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $100 | $88 | — |
- CapitalLeverage ratio9.26%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.84%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.46%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$100Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Peoples National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.