PEOPLES COMMUNITY BANK SB OF MONTICELLO, INDIANA

MONTICELLO, IN | Micro | Est. Jan. 1, 1899, midnight | FDIC #30065 | RSSD #654579 | FDIC
Latest Report: 2025-12-31

PEOPLES COMMUNITY BANK SB OF MONTICELLO, INDIANA is amn micro FDIC-insured commercial bank headquartered in MONTICELLO, IN, established in Jan. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $44M and total deposits of $21M. Profitability stands at 0.60% ROA and 1.92% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 30.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.06% and a Texas Ratio of 3.16%. FDIC Certificate #30065.

Assets

$44M

Deposits

$21M

Loans

$41M

Equity

$13M

Profitability

Return on Assets (ROA) 0.60%
Return on Equity (ROE) 1.92%
Net Interest Margin (NIM) 3.98%
Yield on Assets 6.08%
Cost of Funds 3.21%

Asset Quality

NPL Ratio 1.06%
Net Charge-Off Ratio --
Texas Ratio 3.16%
NPA Ratio 1.00%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 30.93%
Tier 1 Capital 30.93%
Total Capital Ratio 32.47%
Leverage Ratio 31.73%
Loan-to-Deposit 197.18%

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