PEOPLES BANK

CUBA, MO | Small | Est. June 22, 1901, midnight | FDIC #12230 | RSSD #948250 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is asn small FDIC-insured commercial bank headquartered in CUBA, MO, established in June 22, 1901, midnight. As of 2025-12-31, the bank reported total assets of $251M and total deposits of $230M. Profitability stands at 1.39% ROA and 17.15% ROE, with a net interest margin of 4.22%. The bank's CET1 capital ratio is 8.09%. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.74%. FDIC Certificate #12230.

Assets

$251M

Deposits

$230M

Loans

$165M

Equity

$20M

Profitability

Return on Assets (ROA) 1.39%
Return on Equity (ROE) 17.15%
Net Interest Margin (NIM) 4.22%
Yield on Assets 5.78%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.74%
NPA Ratio 0.15%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 8.09%
Tier 1 Capital 8.09%
Total Capital Ratio 8.49%
Leverage Ratio 10.95%
Loan-to-Deposit 71.79%

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