PEOPLES BANK CO.

ALTENBURG, MO | Small | Est. Jan. 1, 1910, midnight | FDIC #12226 | RSSD #941541 | FED
Latest Report: 2025-12-31

PEOPLES BANK CO. is asn small FDIC-insured commercial bank headquartered in ALTENBURG, MO, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $126M and total deposits of $104M. Profitability stands at 1.08% ROA and 12.53% ROE, with a net interest margin of 3.71%. The bank's CET1 capital ratio is 12.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.52%. FDIC Certificate #12226.

Assets

$126M

Deposits

$104M

Loans

$90M

Equity

$11M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 12.53%
Net Interest Margin (NIM) 3.71%
Yield on Assets 6.13%
Cost of Funds 2.46%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.52%
NPA Ratio 0.05%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 12.02%
Tier 1 Capital 12.02%
Total Capital Ratio 13.20%
Leverage Ratio 8.93%
Loan-to-Deposit 87.05%

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