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Peoples Bank

$100M-$1B Specialty: Other MO FDIC cert 12230

Cuba, MO

5 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 -1.1% year over year ($227.1M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.75%.
  • Efficiency ratio 62.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Peoples Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 38.9% in tier
  • + ROA 0.43% above tier average
  • + Net Interest Margin 0.05% above tier average
  • + Efficiency Ratio 2.26% below tier average
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 26.8% in tier
Get updates when Peoples Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $248.7M
+0.0% YoY -0.2% QoQ
-$137.9M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $170.4M
+7.0% YoY +2.7% QoQ
-$87.9M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $227.1M
-1.1% YoY -0.7% QoQ
-$99.6M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 1.75%
+13.0% YoY +2.4% QoQ
+0.43% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 4.04%
+9.0% YoY +4.1% QoQ
+0.05% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 62.22%
-4.3% YoY +1.9% QoQ
-2.26% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.23%
-0.4% YoY -4.6% QoQ
-0.69% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 75.06%
+8.3% YoY +3.4% QoQ
-2.90% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 20.89%
-0.9% YoY -4.6% QoQ
-1.14% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.16%
+6.5% YoY -1.8% QoQ
-0.51% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 10.96%
+3.2% YoY +0.1% QoQ
-4.95% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.47%
-1.0% YoY +103.0% QoQ
-0.09% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Top 10.4% in tier

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 20.9%
-0.2pp YoY
-1.0pp QoQ
 -1.3pp 22.1% 20.9% 22.2% 49%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 4.0%
-0.6pp YoY
-0.2pp QoQ
 -7.5pp 11.6% 12.3% 12.5% 14%
CRE 32.3%
+1.9pp YoY
+0.2pp QoQ
 -7.2pp 39.5% 36.8% 41.4% 39%
1-4 Family 51.8%
-1.7pp YoY
+0.2pp QoQ
 +19.1pp 32.6% 31.9% 31.3% 84%
Consumer 2.5%
-0.5pp YoY
+0.1pp QoQ
 -1.6pp 4.1% 4.1% 5.0% 54%

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 11.0%
+0.3pp YoY
0.0pp QoQ
 -1.2pp 12.2% 11.6% 12.6% 49%
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 51
-1 (-1.9%) YoY
+4 (+8.5%) QoQ
 -8 58 162 482 54%
Assets per Employee ($) $4.9M
+2.0% YoY
-8.0% QoQ
 -$2.6M $7.5M $8.0M $8.8M 13%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

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 0.2%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 32%
Allowance Coverage 4.96x
+0.3% YoY
+3.0% QoQ
 -19.19x 24.15x 10.47x 20.23x 70%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 21.7%
-0.4pp YoY
+0.3pp QoQ
 +9.5pp 12.2% 14.3% 11.6% 92%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 34%
Net Income ($, YTD) $2.2M
+14.4% YoY
— QoQ
 -$368K $2.6M $11.3M $40.4M 56%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#258 of 661 • Top 38.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.47%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.75%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (1)

Capital Thin

risk
#178 of 661 • Bottom 26.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.96%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

275
Non-Interest Income / Assets
revenue_mix
Value: 0.47%
Peer Median: 0.57%
#275 of 2643 Top 10.4% in $100M-$1B
582
Return on Assets
profitability
Value: 1.75%
Peer Median: 1.32%
#582 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (1 metrics)

2046
Tier 1 Capital Ratio
capital
Value: 10.96%
Peer Median: 15.91%
#2046 of 2643 Bottom 22.6% in $100M-$1B
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