Peoples Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Peoples Community Bank is one of the more profitable banks of its size. It reported $735 million in assets at June 30, 2026, up 4.1% from a year earlier. It earns about $2.39 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also funds 18.54% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.23% of loans, down from 1.79% a year earlier. Its $88 million non-owner-occupied commercial real estate book is improving, with 1.03% past due or on nonaccrual, down from 2.73% a year earlier.
As of June 30, 2026, Peoples Community Bank reported a return on assets of 2.39%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 4.65%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 Sycamore St, Greenville, MO 63944
- County
- Wayne
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 3, 1977
- Former names
- Peoples Bank of Wayne County (1991-1996)
- Offices
- 16 domestic
- Employees (FTE)
- 120
- Domestic deposits
- $599.8M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- -$43K
- Average total assets
- $727.4M
- Average total loans
- $498.9M
- Average interest-bearing deposits
- $503.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 3, 1977
- FDIC Cert
- 22394
- Fed RSSD
- 784159
- Website
- www.peoplescommunitybank.com →
- Parent Holding Company
- GREENVILLE BANCSHARES, INC. (RSSD 1119431)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Peoples Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Peoples Community Bank, freePeoples Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Peoples Community Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.54% | 2.39% | 1.23% | 4.65% | 4.75% |
| Q1 2026 | 19.56% | 2.83% | 1.59% | 5.67% | 4.71% |
| Q4 2025 | 19.16% | 2.24% | 1.50% | 5.59% | 4.81% |
| Q3 2025 | 18.72% | 2.91% | 1.56% | 6.29% | 4.83% |
| Q2 2025 | 17.85% | 2.71% | 1.79% | 7.09% | 4.68% |
| Q1 2025 | 18.43% | 1.65% | 1.16% | 4.34% | 4.27% |
| Q4 2024 | 18.45% | 2.19% | 1.06% | 3.97% | 4.40% |
| Q3 2024 | 17.88% | 2.39% | 0.94% | 4.10% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Piedmont Facility | Piedmont , MO | 63957 | $99.0M |
| Cabool Branch | Cabool , MO | 65689 | $83.0M |
| Ellington Facility Branch | Ellington , MO | 63638 | $69.8M |
| Doniphan Branch | Doniphan , MO | 63935 | $68.1M |
| Republic Branch | Republic , MO | 65738 | $57.9M |
| Marble Hill Branch | Marble Hill , MO | 63764 | $33.6M |
| Puxico Facility Branch | Puxico , MO | 63960 | $29.9M |
| Poplar Bluff Branch | Poplar Bluff , MO | 63901 | $27.7M |
| Peoples Community Bank (main office) | Greenville , MO | 63944 | $25.1M |
| Bunker Branch | Bunker , MO | 63629 | $22.8M |
| Seligman Branch | Seligman , MO | 65745 | $20.1M |
| Annapolis Branch | Annapolis , MO | 63620 | $19.0M |
| Wappapello Facility | Wappapello , MO | 63966 | $18.3M |
| Naylor Branch | Naylor , MO | 63953 | $12.7M |
| Washburn Branch | Washburn , MO | 65772 | $7.3M |
| Peoples Community Bank - Aurora Branch | Aurora , MO | 65605 | $5.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Cabool State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2014 | Structure Change | Acquired Peoples Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Peoples Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MO, rank 69 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 302 applications, 239 loans originated, $37.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Peoples Community Bank
What are Peoples Community Bank's total assets?
As of the Q2 2026 filing, Peoples Community Bank reported total assets of $735.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Community Bank headquartered?
Peoples Community Bank is headquartered in Greenville, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Peoples Community Bank founded?
Peoples Community Bank was established in 1977, per the FDIC institution directory.
Is Peoples Community Bank FDIC-insured?
Yes. Peoples Community Bank is an FDIC-insured commercial bank (FDIC Certificate #22394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Community Bank?
Peoples Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Peoples Community Bank operate?
Peoples Community Bank operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Community Bank's Texas Ratio?
Peoples Community Bank's Texas Ratio is 4.65% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Peoples Community Bank previously called?
The charter now named Peoples Community Bank has also operated as Peoples Bank of Wayne County (1991-1996), per FDIC structure-change records.
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