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Peoples Community Bank

$100M-$1B Specialty: Commercial MO FDIC cert 22394

Designations: ✓ CDFI-certified

Greenville, MO

16 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 +2.4% year over year ($599.8M on the books).
  • Delinquency rate 1.25%.
  • Return on assets 2.61%.
  • Efficiency ratio 44.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.26% 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 Community Bank has 4 strengths but faces 2 concerns

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

  • + Profitability Leader: Top 13.0% in tier
  • + Revenue Diversifier: Top 35.5% in tier
  • + Efficiency Ratio 19.60% below tier average
  • + Net Interest Margin 0.66% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 40.8% in tier
  • - Delinquency Rate 0.33% above tier average
Get updates when Peoples Community 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 ? $735.2M
+4.1% YoY +1.6% QoQ
+$348.6M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Top 10.9% in tier
Total Loans ? $493.4M
+7.3% YoY +1.3% QoQ
+$235.1M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Top 12.1% in tier
Total Deposits ? $599.8M
+2.4% YoY +2.6% QoQ
+$273.1M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Top 12.4% in tier
Return on Assets ? 2.61%
+19.1% YoY -8.0% QoQ
+1.29% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 3.7% in tier
Net Interest Margin ? 4.65%
+6.2% YoY +0.3% QoQ
+0.66% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 44.88%
-10.6% YoY +11.2% QoQ
-19.60% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 8.8% in tier
Delinquency Rate ? 1.25%
-31.2% YoY -22.6% QoQ
+0.33% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 82.26%
+4.9% YoY -1.2% QoQ
+4.31% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 15.08%
-6.2% YoY -1.1% QoQ
-6.95% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.85%
-30.2% YoY -21.6% QoQ
+0.18% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 18.54%
+3.8% YoY -5.2% QoQ
+2.63% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.33%
+3.4% YoY +91.4% QoQ
-0.24% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
77%

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 15.1%
-1.0pp YoY
-0.2pp QoQ
 -7.1pp 22.1% 20.9% 22.2% 24%
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 5.6%
-6.4pp YoY
-1.9pp QoQ
 -6.0pp 11.6% 12.3% 12.5% 23%
CRE 32.3%
+3.7pp YoY
-0.4pp QoQ
 -7.3pp 39.5% 36.8% 41.4% 39%
1-4 Family 46.1%
-1.3pp YoY
-0.2pp QoQ
 +13.5pp 32.6% 31.9% 31.3% 78%
Consumer 5.2%
-0.7pp YoY
-0.2pp QoQ
 +1.1pp 4.1% 4.1% 5.0% 78%

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 18.5%
+0.7pp YoY
-1.0pp QoQ
 +6.4pp 12.2% 11.6% 12.6% 95%
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 120
-6 (-4.8%) YoY
-1 (-0.8%) QoQ
 +61 58 162 482 92%
Assets per Employee ($) $6.1M
+9.3% YoY
+2.5% QoQ
 -$1.4M $7.5M $8.0M $8.8M 36%
Branch Count 16
0 YoY
0 QoQ
 +11 4 10 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 24%
Nonaccrual 1.2%
-0.5pp YoY
-0.4pp QoQ
 +0.3pp 0.9% 0.8% 1.0% 76%
Allowance Coverage 0.97x
+45.5% YoY
+33.2% QoQ
 -23.19x 24.15x 10.47x 20.23x 26%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 14.2%
+1.3pp YoY
-1.0pp QoQ
 +2.0pp 12.2% 14.3% 11.6% 63%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 53%
Net Income ($, YTD) $9.4M
+22.1% YoY
— QoQ
 +$6.9M $2.6M $11.3M $40.4M 98%

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 (2)

Profitability Leader

growth
#87 of 661 • Top 13.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.61%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#236 of 661 • Top 35.5% 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: 0.33%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.61%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#304 of 742 • Bottom 40.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.54%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.26%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 (8 metrics)

99
Return on Assets
profitability
Value: 2.61%
Peer Median: 1.32%
#99 of 2643 Top 3.7% in $100M-$1B
233
Efficiency Ratio
profitability
Value: 44.88%
Peer Median: 64.48%
#233 of 2643 Top 8.8% in $100M-$1B
290
Total Assets
size
Value: $735.22M
Peer Median: $386.57M
#290 of 2643 Top 10.9% in $100M-$1B
320
Total Loans
size
Value: $493.41M
Peer Median: $258.35M
#320 of 2643 Top 12.1% in $100M-$1B
328
Total Deposits
size
Value: $599.83M
Peer Median: $326.73M
#328 of 2643 Top 12.4% in $100M-$1B
430
Net Interest Margin
profitability
Value: 4.65%
Peer Median: 3.99%
#430 of 2643 Top 16.2% in $100M-$1B
455
Tier 1 Capital Ratio
capital
Value: 18.54%
Peer Median: 15.91%
#455 of 2643 Top 17.2% in $100M-$1B
621
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#621 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (3 metrics)

2022
Delinquency Rate
credit_quality
Value: 1.25%
Peer Median: 0.92%
#2022 of 2633 Bottom 23.2% in $100M-$1B
1993
Nonperforming Asset Ratio
credit_quality
Value: 0.85%
Peer Median: 0.67%
#1993 of 2643 Bottom 24.6% in $100M-$1B
1989
Non-Interest-Bearing Deposit Share
funding
Value: 15.08%
Peer Median: 22.03%
#1989 of 2643 Bottom 24.8% in $100M-$1B
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