BlastPoint's Banking Scorecard
Peoples Bank Co.
Altenburg, MO
3 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +30.5% year over year ($124.0M on the books).
- Delinquency rate 0.06%.
- Return on assets 0.73%.
- Efficiency ratio 74.82% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank Co. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Net Interest Margin 0.55% below tier average
- - Efficiency Ratio 10.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.7M
+27.5% YoY
+2.5% QoQ
|
-$238.9M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.4% in tier |
| Total Loans ? |
$97.5M
+26.6% YoY
+3.9% QoQ
|
-$160.9M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$124.0M
+30.5% YoY
+1.8% QoQ
|
-$202.7M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.3% in tier |
| Return on Assets ? |
0.73%
-29.4% YoY
+10.1% QoQ
|
-0.59% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
3.44%
-13.7% YoY
-0.2% QoQ
|
-0.55% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
74.82%
+5.8% YoY
-2.4% QoQ
|
+10.34% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.06%
-31.8% YoY
-66.1% QoQ
|
-0.86% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
78.61%
-2.9% YoY
+2.1% QoQ
|
+0.66% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
21.37%
-23.9% YoY
-6.7% QoQ
|
-0.66% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.04%
-32.3% YoY
-65.7% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
8.36%
-32.9% YoY
-28.4% QoQ
|
-7.55% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.2% in tier |
| Non-Interest Income / Assets ? |
0.08%
-14.6% YoY
+92.0% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.4%
-6.7pp YoY -1.5pp QoQ |
-0.8pp | 22.1% | 20.9% | 22.2% | 51% |
| Brokered Deposits |
8.1%
+1.2pp YoY -0.1pp QoQ |
+0.2pp | 7.9% | 7.4% | 8.5% | 69% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.9%
+1.3pp YoY +0.1pp QoQ |
-0.7pp | 11.6% | 12.3% | 12.5% | 58% |
| CRE |
32.1%
+3.8pp YoY -0.1pp QoQ |
-7.5pp | 39.5% | 36.8% | 41.4% | 38% |
| 1-4 Family |
28.6%
-4.0pp YoY -1.2pp QoQ |
-4.0pp | 32.6% | 31.9% | 31.3% | 48% |
| Consumer |
0.9%
-0.8pp YoY -0.2pp QoQ |
-3.2pp | 4.1% | 4.1% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
8.4%
-1.1pp YoY -0.4pp QoQ |
-3.8pp | 12.2% | 11.6% | 12.6% | 4% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+6 (+35.3%) YoY +2 (+9.5%) QoQ |
-36 | 58 | 162 | 482 | 15% |
| Assets per Employee ($) |
$6.4M
-5.8% YoY -6.4% QoQ |
-$1.1M | $7.5M | $8.0M | $8.8M | 41% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 13% |
| Allowance Coverage |
18.16x
+49.6% YoY +187.8% QoQ |
-6.00x | 24.15x | 10.47x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 46% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
-3.4pp YoY +0.8pp QoQ |
-3.3pp | 12.2% | 14.3% | 11.6% | 30% |
| Cost of Funds (YTD) |
2.5%
+0.4pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 89% |
| Net Income ($, YTD) |
$511,000
-6.4% YoY — QoQ |
-$2.0M | $2.6M | $11.3M | $40.4M | 11% |
Get Full Access to Peoples Bank Co.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.