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Peoples Community Bank SB of Monticello, Indiana

under $100M Specialty: Mortgage IN FDIC cert 30065

Designations: ✓ Community bank ✓ Mutual

Monticello, IN

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 536 banks in the under $100M peer group nationwide — 1 of 7 in IN.
  • Deposits -1.5% year over year ($19.5M on the books).
  • Delinquency rate 2.87%.
  • Return on assets 0.77%.
  • Efficiency ratio 71.66% vs a 119.40% peer average.
  • Loan-to-deposit ratio 204.00% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 7 in IN
View under $100M leaderboard (IN) →

Peoples Community Bank SB of Monticello, Indiana has 2 strengths but faces 5 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

  • + Net Interest Margin 0.19% above tier average
  • + Efficiency Ratio 47.74% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 129.80% above tier average
  • - Non-Interest-Bearing Deposit Share 19.28% below tier average
  • - Nonperforming Asset Ratio 1.83% above tier average
  • - ROA 0.23% below tier average
  • - Delinquency Rate 1.39% above tier average
Get updates when Peoples Community Bank SB of Monticello, Indiana releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $42.7M
+2.1% YoY -0.3% QoQ
-$19.7M $62.4M
-0.0% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $39.7M
+3.2% YoY +0.7% QoQ
+$4.8M $34.9M
-0.6% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
62%
Total Deposits ? $19.5M
-1.5% YoY -1.9% QoQ
-$32.2M $51.6M
-0.2% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
Bottom 9.3% in tier
Return on Assets ? 0.77%
+67.1% YoY -34.9% QoQ
-0.23% 1.00%
+3.5% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 4.11%
+9.7% YoY -3.4% QoQ
+0.19% 3.91%
+2.3% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 71.66%
-10.4% YoY +7.2% QoQ
-47.74% 119.40%
+49.6% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
49%
Delinquency Rate ? 2.87%
+283.1% YoY +3.1% QoQ
+1.39% 1.48%
+31.8% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
Bottom 13.3% in tier
Loan-to-Deposit Ratio ? 204.00%
+4.7% YoY +2.7% QoQ
+129.80% 74.21%
+12.6% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
Bottom 0.6% in tier
Non-Interest-Bearing Deposit Share ? 4.21%
+18.6% YoY -3.9% QoQ
-19.28% 23.49%
+0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
Bottom 9.9% in tier
Nonperforming Asset Ratio ? 2.66%
+287.1% YoY +4.1% QoQ
+1.83% 0.84%
+23.0% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
Bottom 6.3% in tier
Tier 1 Capital Ratio ? 32.00%
+0.1% YoY +1.9% QoQ
+4.87% 27.13%
+3.0% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
Top 14.0% in tier
Non-Interest Income / Assets ? 0.04%
+487.8% YoY +100.6% QoQ
-1.34% 1.38%
+6.3% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
Bottom 14.4% 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 (IN) National Avg Tier Percentile
Noninterest-Bearing 4.2%
+0.7pp YoY
-0.2pp QoQ
 -20.4pp 24.6% 16.8% 22.2% 5%
Brokered Deposits n/a n/a 9.8% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 4.0%
+0.8pp YoY
-0.2pp QoQ
 -9.4pp 13.4% 11.1% 12.5% 14%
CRE 12.3%
-1.0pp YoY
-0.4pp QoQ
 -13.0pp 25.2% 36.2% 41.4% 19%
1-4 Family 81.8%
+1.8pp YoY
+0.6pp QoQ
 +46.8pp 35.0% 40.0% 31.3% 92%
Consumer 3.0%
-1.2pp YoY
0.0pp QoQ
 -4.7pp 7.7% 3.2% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 17.5% 19.7% n/a
Leverage Ratio 32.0%
0.0pp YoY
+0.6pp QoQ
 +14.3pp 17.7% 13.0% 12.6% 94%
Total Capital Ratio n/a n/a 39.7% 18.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 5
-1 (-16.7%) YoY
0 QoQ
 -7 12 237 482 7%
Assets per Employee ($) $8.5M
+22.5% YoY
-0.3% QoQ
 +$2.4M $6.2M $7.5M $8.8M 85%
Branch Count 1
0 YoY
0 QoQ
 -1 1 17 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.2% 0.4% n/a
Nonaccrual 2.9%
+2.1pp YoY
+0.1pp QoQ
 +1.1pp 1.7% 0.8% 1.0% 86%
Allowance Coverage 0.32x
-73.7% YoY
-3.7% QoQ
 -6.09x 6.41x 6.71x 20.23x 9%
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE 2.4%
+1.0pp YoY
-1.3pp QoQ
 -4.0pp 6.4% 11.2% 11.6% 21%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.4% 1.8% 1.7% 82%
Net Income ($, YTD) $166,000
+74.7% YoY
— QoQ
 -$152K $317,817 $16.3M $40.4M 32%

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 536 peers in under $100M

Top Strengths (1 metrics)

76
Tier 1 Capital Ratio
capital
Value: 32.00%
Peer Median: 27.13%
#76 of 536 Top 14.0% in under $100M

Top Weaknesses (7 metrics)

534
Loan-to-Deposit Ratio
liquidity
Value: 204.00%
Peer Median: 74.21%
#534 of 536 Bottom 0.6% in under $100M
503
Nonperforming Asset Ratio
credit_quality
Value: 2.66%
Peer Median: 0.84%
#503 of 536 Bottom 6.3% in under $100M
487
Total Deposits
size
Value: $19.45M
Peer Median: $51.62M
#487 of 536 Bottom 9.3% in under $100M
484
Non-Interest-Bearing Deposit Share
funding
Value: 4.21%
Peer Median: 23.49%
#484 of 536 Bottom 9.9% in under $100M
449
Delinquency Rate
credit_quality
Value: 2.87%
Peer Median: 1.48%
#449 of 517 Bottom 13.3% in under $100M
460
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 1.38%
#460 of 536 Bottom 14.4% in under $100M
411
Total Assets
size
Value: $42.72M
Peer Median: $62.44M
#411 of 536 Bottom 23.5% in under $100M
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