PEOPLE FIRST BANCSHARES INC is the parent banking group. PEOPLES BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

PEOPLE FIRST BANCSHARES INC

Legal name: PEOPLE FIRST BANCSHARES, INC.

1 active bank · $611M combined assets

RSSD ID: 1209480 (FFIEC NIC)

Combined Assets

$611M

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankPEOPLES BANK & TRUSTPANA, ILSatisfactory$611MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$611M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$497M

Net Income

$3M

ROA (avg)

1.96%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

Origination Rate

98.57%

Denial Rate

1.43%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
PEOPLES BANK & TRUST	PANA, IL	FDIC	$611M	100.0%	Satisfactory	Jan 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.