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Peoples Community Bank

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

Designations: ✓ CDFI-certified

Greenville, MO

16 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 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 2.2% in tier
  • + Revenue Diversifier: Top 30.2% in tier
  • + Efficiency Ratio 24.94% below tier average
  • + Net Interest Margin 0.70% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 32.6% in tier
  • - Credit Risk Growth: Bottom 45.0% in tier
Get updates when Peoples Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $723.5M
+1.6% YoY +2.3% QoQ
+$337.4M $386.1M
+0.5% YoY
$1.6B
+6.5% YoY
$6.2B
+9.1% YoY
Top 11.4% in tier
Total Loans ? $487.0M
+6.7% YoY +1.3% QoQ
+$231.3M $255.7M
+1.1% YoY
$1.0B
+8.5% YoY
$3.2B
+10.8% YoY
Top 12.2% in tier
Total Deposits ? $584.7M
-0.7% YoY +2.2% QoQ
+$256.8M $328.0M
+0.1% YoY
$1.3B
+6.1% YoY
$4.8B
+8.2% YoY
Top 13.4% in tier
Return on Assets ? 2.84%
+71.3% YoY +19.0% QoQ
+1.57% 1.27%
+12.9% YoY
1.43%
+10.8% YoY
1.23%
+13.4% YoY
Top 2.6% in tier
Net Interest Margin ? 4.63%
+9.3% YoY +2.2% QoQ
+0.70% 3.93%
+6.0% YoY
4.51%
+2.1% YoY
3.89%
+5.7% YoY
Top 14.6% in tier
Efficiency Ratio ? 40.34%
-33.1% YoY -15.4% QoQ
-24.94% 65.29%
-4.5% YoY
59.97%
-5.2% YoY
66.95%
-4.1% YoY
Top 4.4% in tier
Delinquency Rate ? 1.61%
+36.8% YoY +5.8% QoQ
+0.72% 0.89%
+18.8% YoY
0.83%
+18.3% YoY
0.95%
+18.8% YoY
17%
Loan-to-Deposit Ratio ? 83.29%
+7.5% YoY -0.9% QoQ
+6.65% 76.64%
+0.8% YoY
79.48%
+1.6% YoY
76.70%
+0.9% YoY
39%
Non-Interest-Bearing Deposit Share ? 15.26%
-2.6% YoY +2.1% QoQ
-6.76% 22.02%
-1.0% YoY
20.72%
+0.3% YoY
22.01%
-1.2% YoY
25%
Nonperforming Asset Ratio ? 1.08%
+43.2% YoY +2.1% QoQ
+0.45% 0.64%
+19.7% YoY
0.67%
+20.5% YoY
0.67%
+19.3% YoY
18%
Tier 1 Capital Ratio ? 19.56%
+6.1% YoY +2.1% QoQ
+3.73% 15.83%
+1.5% YoY
15.44%
-0.4% YoY
17.06%
+0.8% YoY
Top 14.5% in tier
Non-Interest Income / Assets ? 0.17%
+12.1% YoY -72.7% QoQ
-0.11% 0.28%
+9.3% YoY
0.29%
+5.6% YoY
0.32%
+4.1% YoY
79%

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
#16 of 666 • Top 2.2% in tier

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

Why this signature
Return on Assets: 2.84%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#202 of 666 • Top 30.2% 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: 0.17%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 2.84%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (2)

Liquidity Overhang

risk
#242 of 739 • Bottom 32.6% 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: 19.56%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 83.29%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#439 of 973 • Bottom 45.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

70
Return on Assets
profitability
Value: 2.84%
Peer Median: 1.27%
#70 of 2664 Top 2.6% in $100M-$1B
117
Efficiency Ratio
profitability
Value: 40.34%
Peer Median: 65.29%
#117 of 2664 Top 4.4% in $100M-$1B
304
Total Assets
size
Value: $723.47M
Peer Median: $386.08M
#304 of 2664 Top 11.4% in $100M-$1B
327
Total Loans
size
Value: $487.01M
Peer Median: $255.72M
#327 of 2664 Top 12.2% in $100M-$1B
358
Total Deposits
size
Value: $584.74M
Peer Median: $327.97M
#358 of 2664 Top 13.4% in $100M-$1B
387
Tier 1 Capital Ratio
capital
Value: 19.56%
Peer Median: 15.83%
#387 of 2664 Top 14.5% in $100M-$1B
391
Net Interest Margin
profitability
Value: 4.63%
Peer Median: 3.93%
#391 of 2664 Top 14.6% in $100M-$1B
551
Non-Interest Income / Assets
revenue_mix
Value: 0.17%
Peer Median: 0.28%
#551 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (2 metrics)

2211
Delinquency Rate
credit_quality
Value: 1.61%
Peer Median: 0.89%
#2211 of 2654 Bottom 16.7% in $100M-$1B
2185
Nonperforming Asset Ratio
credit_quality
Value: 1.08%
Peer Median: 0.64%
#2185 of 2664 Bottom 18.0% in $100M-$1B
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