BlastPoint's Banking Scorecard

People's Bank of Seneca

$100M-$1B Specialty: Commercial MO FDIC cert 34146

Designations: ✓ Minority Depository Institution

Seneca, MO

5 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

People's Bank of Seneca has 2 strengths but faces 4 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

+ ROA 0.06% above tier average
+ Efficiency Ratio 14.74% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 28.4% in tier
- Liquidity Strain: Bottom 30.0% in tier
- Credit Risk Growth: Bottom 45.2% in tier
- Net Interest Margin 0.31% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$497.4M +3.7% YoY +3.0% QoQ	+$111.3M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	72%
Total Loans ?	$414.3M +4.0% YoY +1.5% QoQ	+$158.6M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$433.7M +2.6% YoY +5.6% QoQ	+$105.7M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.33% +13.8% YoY +10.3% QoQ	+0.06%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	3.62% +4.4% YoY +1.1% QoQ	-0.31%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	50.55% +4.2% YoY -2.2% QoQ	-14.74%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.92% +246.6% YoY -35.4% QoQ	+0.03%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	95.53% +1.4% YoY -3.8% QoQ	+18.90%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 14.9% in tier
Non-Interest-Bearing Deposit Share ?	10.88% -0.7% YoY -2.4% QoQ	-11.14%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 12.4% in tier
Nonperforming Asset Ratio ?	0.76% +247.6% YoY -36.3% QoQ	+0.13%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	9.94% +6.2% YoY -4.0% QoQ	-5.89%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 9.2% in tier
Non-Interest Income / Assets ?	0.08% +23.8% YoY -70.3% QoQ	-0.20%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	37%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Capital Thin

risk

#190 of 666 • Bottom 28.4% 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: 9.94%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#194 of 643 • Bottom 30.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.53%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#441 of 973 • Bottom 45.2% 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

455

Efficiency Ratio

profitability

Value: 50.55%

Peer Median: 65.29%

#455 of 2664 Top 17.0% in $100M-$1B

508

Total Loans

size

Value: $414.29M

Peer Median: $255.72M

#508 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (3 metrics)

2419

Tier 1 Capital Ratio

capital

Value: 9.94%

Peer Median: 15.83%

#2419 of 2664 Bottom 9.2% in $100M-$1B

2335

Non-Interest-Bearing Deposit Share

funding

Value: 10.88%

Peer Median: 22.02%

#2335 of 2664 Bottom 12.4% in $100M-$1B

2269

Loan-to-Deposit Ratio

liquidity

Value: 95.53%

Peer Median: 76.64%

#2269 of 2664 Bottom 14.9% in $100M-$1B