Peoples Bank Co.
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank Co. is an FDIC-insured commercial bank headquartered in Altenburg, MO, established in 1910 (FDIC certificate 12226), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $147.7M, up 27.5% from Q2 2025, the 141st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.36% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12226
- Headquarters
- Altenburg, MO
- Established
- 1910
- Total assets, Q2 2026
- $147.7M
- Assets vs Q2 2025
- +27.5%
- Tier 1 leverage ratio, Q2 2026
- 8.36%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081908590
- Holding company
- LINCOLN COUNTY BANCORP, INC.
- Asset rank in state
- 141st of 191 in Missouri
Peoples Bank Co. pays more for its money than most banks of its size. It reported $148 million in assets at June 30, 2026, up 27.5% from a year earlier. It pays an average of 2.74% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also funds 8.36% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Its $11 million commercial and industrial book is now fully current, after 8.12% of it was past due or on nonaccrual a year earlier. Deposits are coming in faster than loans: over the year loans rose 26.7% and deposits rose 30.5%. Profitability lags: it earns about $0.78 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Peoples Bank Co. reported a return on assets of 0.78%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.43%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Peoples Bank Co. is the 141st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $147.7M, loans rose 3.9% and deposits rose 1.8%. 1-4 family residential loans made up 28.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.1%. The FDIC Summary of Deposits lists 3 offices for it, in Jackson, MO, Altenburg, MO and Perryville, MO; its Jackson office books 61% of its branch deposits. Judged on its Q2 2026 call report, Peoples Bank Co. is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 8537 Main St, Altenburg, MO 63732
- County
- Perry
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- Peoples Bank of Altenburg (1997-2025)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $124.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $146.5M
- Average total loans
- $96.2M
- Average interest-bearing deposits
- $85.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12226
- Fed RSSD
- 941541
- SEC CIK
- 1862513 → filed by LINCOLN COUNTY BANCORP, INC.
- Website
- peoplesbankco.com →
- Parent Holding Company
- LINCOLN COUNTY BANCORP, INC. (RSSD 1097173)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Peoples Bank Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Peoples Bank Co.'s total assets ran between $78.7M (Q3 2023) and $147.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$147.7M total assets against $115.8M; $135.4M total liabilities against $106.0M.
$97.5M net loans and leases against $77.0M; $124.0M total deposits against $95.0M.
$27.7M securities against $15.2M; $14.1M cash and balances due against $17.1M.
$2.0M total interest income against $1.6M; $843K total interest expense against $541K.
$1.2M net interest income against $1.0M.
$60K total noninterest income against $58K; $885K total noninterest expense against $772K.
$40K provision for credit losses against $32K.
$286K net income against $271K.
0.78% return on assets against 0.96%; 3.46% net interest margin against 3.83%.
8.36% tier 1 leverage ratio against 9.50%.
Inside the full Peoples Bank Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank Co. rankings
Its closest position to the top of a national ranking is 2,776 of 3,606, for efficiency ratio; its furthest is 3,007 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.67% (Q1 2026) to 1.09% (Q1 2025) and its net interest margin ran from 3.46% (Q2 2026) to 3.91% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.36% | 0.78% | 0.06% | 0.43% | 3.46% |
| Q1 2026 | 8.75% | 0.67% | 0.17% | 1.33% | 3.54% |
| Q4 2025 | 8.93% | 1.08% | 0.07% | 0.52% | 3.78% |
| Q3 2025 | 9.21% | 0.67% | 0.08% | 0.54% | 3.68% |
| Q2 2025 | 9.50% | 0.96% | 0.08% | 0.62% | 3.83% |
| Q1 2025 | 9.93% | 1.09% | 0.37% | 4.74% | 3.91% |
| Q4 2024 | 9.46% | 1.03% | 0.29% | 2.27% | 3.90% |
| Q3 2024 | 9.53% | 0.92% | 0.30% | 2.16% | 3.65% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North High Street Branch | Jackson , MO | 63755 | $75.7M |
| Peoples Bank Co. (main office) | Altenburg , MO | 63732 | $35.0M |
| Perryville Branch | Perryville , MO | 63775 | $13.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 14, 2010, Federal Reserve: Written Agreement: Lincoln County Bancorp, Troy, Missouri; Peoples Bank and Trust Company, Troy, Missouri
- Period: Most recent institution action June 14, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MO, rank 182 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 27 applications, 26 loans originated, $2.3M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples Bank Co.
What are Peoples Bank Co.'s total assets?
As of the Q2 2026 filing, Peoples Bank Co. reported total assets of $147.7 million in its FFIEC call report.
Where is Peoples Bank Co. headquartered?
It is headquartered in Altenburg, MO, United States.
When was Peoples Bank Co. founded?
It was established in 1910, per the FDIC institution directory.
Is Peoples Bank Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12226). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank Co.?
Peoples Bank Co.'s primary federal regulator is the Federal Reserve.
How many branches does Peoples Bank Co. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank Co.'s Texas Ratio?
Its Texas Ratio is 0.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Peoples Bank Co. previously called?
The charter now named Peoples Bank Co. has also operated as Peoples Bank of Altenburg (1997-2025), per FDIC structure-change records.
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