Peoples Nb of Kewanee
Kewanee, Illinois · FDIC Cert #926
This is the FDIC profile for Peoples Nb of Kewanee, an FDIC-insured bank (Certificate #926) with $556M in total assets and $500M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Kewanee, Illinois, the bank maintains a Tier 1 capital ratio of 14.24% (Well-Capitalized) and a nonperforming loan ratio of 2.98%. BankHealthData assigns a composite Health Grade of B (75/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Peoples Nb of Kewanee (FDIC cert 926) is a community bank — $556M in total assets, $500M in deposits, serving the Kewanee, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.24% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.98% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 66.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.78% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Peoples Nb of Kewanee carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Peoples Nb of Kewanee
- Total Assets
- $556M
- Total Deposits
- $500M
- Tier 1 Capital Ratio
- 14.24%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.98%
- Liquidity Ratio
- 66.19%
- Return on Assets
- 0.78%
- Headquarters
- Kewanee, Illinois
- FDIC Certificate
- #926
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Peoples Nb of Kewanee files quarterly Call Reports with the FDIC under Certificate #926. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Peoples Nb of Kewanee holds a Tier 1 capital ratio of 14.24%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Peoples Nb of Kewanee has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Peoples Nb of Kewanee shows strong financial health indicators. With $556M in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Peoples Nb of Kewanee Compares
Peoples Nb of Kewanee’s Health Score of 75 is 6 points below the Illinois state average of 81 across 333 FDIC-insured banks. Its 14.24% Tier 1 capital ratio is 0.2 points above the US banking industry average near 14%. The 2.98% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.78% is below the national ROA benchmark of ~1.1%. Among 1408 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Peoples Nb of Kewanee is 5 points below the portfolio average of 80.
Frequently Asked Questions
Peoples Nb of Kewanee has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.24%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Peoples Nb of Kewanee's Tier 1 capital ratio of 14.24% and nonperforming loan ratio of 2.98% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Peoples Nb of Kewanee is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #926). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Peoples Nb of Kewanee holds $556M in total assets and $500M in total deposits. It is headquartered in Kewanee, Illinois (FDIC Certificate #926).
Peoples Nb of Kewanee's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #926 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Peoples Nb of Kewanee has a Tier 1 capital ratio of 14.24%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.98%, and the return on assets is 0.78%.
Yes. Peoples Nb of Kewanee is FDIC-insured (Certificate #926). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Peoples Nb of Kewanee's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.