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This institution is no longer active

Operations ceased on October 17, 1997. CRA examination history below reflects the period it was active.

PEOPLE'S BANK AND TRUST COMPANY

MOUNT VERNON, IN · Supervised by FDIC

Est. 1907FDIC #12,852RSSD: FDIC-12852
Part ofOLD NATIONAL BCORP→ View all charters
Outstanding Same

Current rating · Exam: July 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.69%

Institution Profile

FDIC BankFind

Address

402 Main Street, MOUNT VERNON, IN

County

Posey County

Established

January 1, 1907

Total Assets

$114M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1997Call Report / FDIC

Total Assets

$114M

Total Deposits

$86M

Net Loans

$80M

Net Income

$1M

ROA

1.69%

ROE

17.61%

Risk-Based Capital

14.45%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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