PEOPLES COMMUNITY BANK

GREENVILLE, MO | Medium | Est. Jan. 3, 1977, midnight | FDIC #22394 | RSSD #784159 | FDIC
Latest Report: 2025-12-31

PEOPLES COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in GREENVILLE, MO, established in Jan. 3, 1977, midnight. As of 2025-12-31, the bank reported total assets of $707M and total deposits of $572M. Profitability stands at 2.25% ROA and 12.27% ROE, with a net interest margin of 4.75%. The bank's CET1 capital ratio is 17.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.50% and a Texas Ratio of 5.47%. FDIC Certificate #22394.

Assets

$707M

Deposits

$572M

Loans

$486M

Equity

$132M

Profitability

Return on Assets (ROA) 2.25%
Return on Equity (ROE) 12.27%
Net Interest Margin (NIM) 4.75%
Yield on Assets 6.59%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 1.50%
Net Charge-Off Ratio 0.17%
Texas Ratio 5.47%
NPA Ratio 1.06%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 17.98%
Tier 1 Capital 17.98%
Total Capital Ratio 18.88%
Leverage Ratio 19.16%
Loan-to-Deposit 85.00%

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