PEOPLE'S BANK OF SENECA

SENECA, MO | Small | Est. March 15, 1996, midnight | FDIC #34146 | RSSD #2396592 | FDIC
Latest Report: 2025-12-31

PEOPLE'S BANK OF SENECA is asn small FDIC-insured commercial bank headquartered in SENECA, MO, established in March 15, 1996, midnight. As of 2025-12-31, the bank reported total assets of $483M and total deposits of $411M. Profitability stands at 1.12% ROA and 11.53% ROE, with a net interest margin of 3.67%. The bank's CET1 capital ratio is 9.49%. Asset quality metrics show a non-performing loan ratio of 0.79% and a Texas Ratio of 6.27%. FDIC Certificate #34146.

Assets

$483M

Deposits

$411M

Loans

$413M

Equity

$47M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 11.53%
Net Interest Margin (NIM) 3.67%
Yield on Assets 6.57%
Cost of Funds 2.92%

Asset Quality

NPL Ratio 0.79%
Net Charge-Off Ratio 0.06%
Texas Ratio 6.27%
NPA Ratio 0.67%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 9.49%
Tier 1 Capital 9.49%
Total Capital Ratio 9.97%
Leverage Ratio 10.36%
Loan-to-Deposit 100.62%

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