Peoples Bank of Moniteau County: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.08 percentage points higher than in Q1 2026, at 189.26%. Within Missouri, Peoples Bank of Moniteau County is 112th of 192 on return on assets, 1.31% as of Q2 2026, below the middle of the field. Peoples Bank of Moniteau County reported 1.31% on return on assets for Q2 2026, 0.33 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.12% |
| Equity capital to assets | 10.18% |
| Tangible equity to tangible assets | 10.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.72% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 3.97% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 189.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 13.49% |
| Net interest margin | 3.59% |
| Efficiency ratio | 55.10% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.79% |
| Core deposits to total deposits | 95.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.17% |
| Securities to assets | 29.13% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.24% | 15.24% | 16.49% | 10.77% | 0.99% |
| Q4 2023 | 14.95% | 14.95% | 16.20% | 10.83% | 1.58% |
| Q1 2024 | — | — | — | 10.59% | 1.08% |
| Q2 2024 | — | — | — | 10.88% | 1.08% |
| Q3 2024 | — | — | — | 10.85% | 1.04% |
| Q4 2024 | — | — | — | 10.80% | 0.96% |
| Q1 2025 | — | — | — | 10.79% | 0.99% |
| Q2 2025 | — | — | — | 10.64% | 1.26% |
| Q3 2025 | — | — | — | 10.51% | 1.29% |
| Q4 2025 | — | — | — | 10.74% | 1.23% |
| Q1 2026 | — | — | — | 11.12% | 1.38% |
| Q2 2026 | — | — | — | 11.12% | 1.31% |
Peoples Bank of Moniteau County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Moniteau County, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples Bank of Moniteau County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15792) · FFIEC NIC profile (RSSD 915056)