BlastPoint's Banking Scorecard
Peoples Bank Co.
Altenburg, MO
3 branches across MO
Peoples Bank Co. has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Net Interest Margin 0.49% below tier average
- - Efficiency Ratio 11.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.1M
+33.0% YoY
+14.5% QoQ
|
-$242.0M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.6% in tier |
| Total Loans ? |
$93.8M
+24.6% YoY
+4.9% QoQ
|
-$161.9M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$121.8M
+37.6% YoY
+17.3% QoQ
|
-$206.1M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.3% in tier |
| Return on Assets ? |
0.67%
-39.7% YoY
-30.6% QoQ
|
-0.60% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.44%
-14.0% YoY
-10.8% QoQ
|
-0.49% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
76.67%
+10.4% YoY
+4.6% QoQ
|
+11.38% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
0.17%
-53.2% YoY
+145.2% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
77.00%
-9.4% YoY
-10.6% QoQ
|
+0.36% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
22.90%
-24.2% YoY
-6.6% QoQ
|
+0.88% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.11%
-74.0% YoY
+124.7% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
11.69%
-4.4% YoY
-2.8% QoQ
|
-4.14% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.04%
-13.7% YoY
-76.0% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
16% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.