BlastPoint's Banking Scorecard
Peoples Bank of Moniteau County
Designations: ✓ Community bank
Jamestown, MO
2 branches across MO
Peoples Bank of Moniteau County has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.56% above tier average
- + Efficiency Ratio 36.24% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.35% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.3M
+5.7% YoY
+5.2% QoQ
|
+$22.2M |
$62.2M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$48.3M
+11.7% YoY
+0.9% QoQ
|
+$14.1M |
$34.2M
-1.4% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$74.3M
+8.1% YoY
+6.2% QoQ
|
+$22.6M |
$51.7M
-0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.40%
+42.8% YoY
+15.0% QoQ
|
+0.56% |
0.84%
-2.3% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
3.51%
+18.8% YoY
+4.8% QoQ
|
-0.35% |
3.86%
+2.8% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
52.10%
-14.3% YoY
-7.6% QoQ
|
-36.24% |
88.34%
+0.3% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 11.8% in tier |
| Delinquency Rate ? |
0.77%
-18.8% YoY
-5.0% QoQ
|
-0.60% |
1.37%
+33.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
65.03%
+3.3% YoY
-5.0% QoQ
|
+0.81% |
64.22%
-0.7% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
24.97%
+4.4% YoY
+0.5% QoQ
|
+1.26% |
23.71%
+0.3% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.44%
-14.1% YoY
-8.9% QoQ
|
-0.35% |
0.79%
+28.2% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
11.12%
+3.1% YoY
+3.6% QoQ
|
-15.56% |
26.68%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.9% in tier |
| Non-Interest Income / Assets ? |
0.10%
-3.1% YoY
-76.6% QoQ
|
-0.56% |
0.67%
+1.9% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
71% |
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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.