BlastPoint's Banking Scorecard
Peoples Bank
Cuba, MO
5 branches across MO
Peoples Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 38.7% in tier
- + ROA 0.44% above tier average
- + Efficiency Ratio 4.23% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 33.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$249.2M
+1.1% YoY
-0.7% QoQ
|
-$136.9M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$166.0M
+2.9% YoY
+1.9% QoQ
|
-$89.7M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$228.6M
+0.2% YoY
-0.4% QoQ
|
-$99.4M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
1.71%
+14.2% YoY
+7.9% QoQ
|
+0.44% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.88%
+8.3% YoY
+0.3% QoQ
|
-0.05% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
61.06%
-5.7% YoY
-4.1% QoQ
|
-4.23% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
0.24%
-36.5% YoY
+1.2% QoQ
|
-0.65% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
72.61%
+2.7% YoY
+2.3% QoQ
|
-4.03% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
21.90%
+8.3% YoY
+10.6% QoQ
|
-0.12% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.16%
-59.7% YoY
+3.8% QoQ
|
-0.48% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
10.94%
+3.8% YoY
-0.0% QoQ
|
-4.89% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.23%
-5.2% YoY
-76.1% QoQ
|
-0.05% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Top 10.3% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.