Peoples Bank of Moniteau County
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank of Moniteau County is an FDIC-insured commercial bank headquartered in Jamestown, MO, established in 1941 (FDIC certificate 15792), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $83.2M, up 2.1% from Q2 2025, the 181st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.12% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15792
- Headquarters
- Jamestown, MO
- Established
- 1941
- Total assets, Q2 2026
- $83.2M
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 11.12%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081518113
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank of Moniteau County Q3 2026 call report, filed October 9, 2026 (preliminary)
- Holding company
- JAMESTOWN BANCSHARES, INC.
- Asset rank in state
- 181st of 191 in Missouri
Little in Peoples Bank of Moniteau County's latest call report stands out. Based in Jamestown, Missouri, it had $83 million in assets at June 30, 2026, up 2.1% from a year earlier. On most measures it sits near the middle of the 533 banks with less than $100 million in assets.
Net income for the quarter rose 12% from a year earlier, to $281,000. Over the same year, loans grew 11.2% and deposits grew 3.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, Peoples Bank of Moniteau County reported a return on assets of 1.31%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 3.97%. The figures come from its call report filed with the FFIEC.
Peoples Bank of Moniteau County ranks as the 181st largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $83.2M, loans rose 2.9% and deposits fell 1.3%. 1-4 family residential loans made up 32.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 22.0%. The FDIC Summary of Deposits lists 2 offices for it, in Jamestown, MO and California, MO; its Jamestown office books 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peoples Bank of Moniteau County meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 W Row St, Jamestown, MO 65046
- County
- Moniteau
- Metro Area
- Jefferson City, MO
- 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 13, 1941
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $73.3M
- Allowance for credit losses
- $687K
- Net charge-offs (YTD)
- $4K
- Average total assets
- $85.7M
- Average total loans
- $49.4M
- Average interest-bearing deposits
- $55.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 13, 1941
- FDIC Cert
- 15792
- Fed RSSD
- 915056
- Website
- www.pbomc.com →
- Parent Holding Company
- JAMESTOWN BANCSHARES, INC. (RSSD 3300260)
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 of Moniteau County reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoples Bank of Moniteau County's total assets moved between a low of $68.3M (Q3 2023) and a high of $84.3M (Q1 2026) from Q3 2023 to 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
$83.2M total assets against $81.4M; $74.7M total liabilities against $74.2M.
$49.7M net loans and leases against $44.7M; $73.3M total deposits against $70.5M.
$24.2M securities against $23.1M; $7.6M cash and balances due against $11.9M.
$1.1M total interest income against $1.0M; $350K total interest expense against $399K.
$742K net interest income against $630K.
$84K total noninterest income against $90K; $460K total noninterest expense against $390K.
$5K provision for credit losses against $5K.
$281K net income against $252K.
1.31% return on assets against 1.26%; 3.59% net interest margin against 3.25%.
11.12% tier 1 leverage ratio against 10.64%.
Inside the full Peoples Bank of Moniteau County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q4 2024) to 1.38% (Q1 2026) and its net interest margin ran from 2.92% (Q1 2025) to 3.59% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.12% | 1.31% | 0.72% | 3.97% | 3.59% |
| Q1 2026 | 11.12% | 1.38% | 0.76% | 4.17% | 3.54% |
| Q4 2025 | 10.74% | 1.23% | 0.80% | 4.44% | 3.52% |
| Q3 2025 | 10.51% | 1.29% | 0.85% | 4.72% | 3.35% |
| Q2 2025 | 10.64% | 1.26% | 0.88% | 5.06% | 3.25% |
| Q1 2025 | 10.79% | 0.99% | 0.93% | 5.37% | 2.92% |
| Q4 2024 | 10.80% | 0.96% | 0.97% | 6.02% | 3.04% |
| Q3 2024 | 10.85% | 1.04% | 1.00% | 6.04% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Peoples Bank of Moniteau County (main office) | Jamestown , MO | 65046 | $41.4M |
| Peoples Bank of Moniteau County (main office) | California , MO | 65018 | $32.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 217 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 31 applications, 29 loans originated, $3.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 of Moniteau County
What are Peoples Bank of Moniteau County's total assets?
As of the Q2 2026 filing, Peoples Bank of Moniteau County reported total assets of $83.2 million in its FFIEC call report.
Where is Peoples Bank of Moniteau County headquartered?
It is headquartered in Jamestown, MO, United States.
When was Peoples Bank of Moniteau County founded?
It was established in 1941, per the FDIC institution directory.
Is Peoples Bank of Moniteau County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Moniteau County?
Peoples Bank of Moniteau County's primary federal regulator is the FDIC.
How many branches does Peoples Bank of Moniteau County operate?
It operates 2 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 of Moniteau County's Texas Ratio?
Its Texas Ratio is 3.97% 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.
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