People's Bank of Seneca
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Data as of · sourced from FFIEC call reports. How we update
People's Bank of Seneca is an FDIC-insured commercial bank headquartered in Seneca, MO, established in 1996 (FDIC certificate 34146), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $495.5M, up 3.7% from Q2 2025, the 72nd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.08% 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
- 34146
- Headquarters
- Seneca, MO
- Established
- 1996
- Total assets, Q2 2026
- $495.5M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 10.08%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101206994
- Latest call report
- Q2 2026, FFIEC 051 · People's Bank of Seneca call report
- Holding company
- PBS BANCSHARES, INC.
- Asset rank in state
- 72nd of 191 in Missouri
People's Bank of Seneca pays more for its money than most banks of its size. Based in Seneca, Missouri, it had $496 million in assets at June 30, 2026, up 3.7% from a year earlier. It pays an average of 2.83% on its deposits and borrowings, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter rose 20% from a year earlier, to $1.7 million. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.01% of loans from 0.86% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.5% of the capital and reserves that would absorb them, about triple the median of 2.7% for banks its size.
As of June 30, 2026, People's Bank of Seneca reported a return on assets of 1.37%, a nonperforming-loan ratio of 1.01% and a Texas ratio of 8.46%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, People's Bank of Seneca is the 72nd largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $495.5M, loans rose 1.4% and deposits rose 1.7%. 1-4 family residential loans made up 30.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.5%. The FDIC Summary of Deposits lists 5 offices for it, in Seneca, MO, Joplin, MO and Neosho, MO; its Seneca office books 68% of its branch deposits. On its Q2 2026 call report, People's Bank of Seneca meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1615 Cherokee Ave, Seneca, MO 64865
- County
- Newton
- Metro Area
- Joplin, MO-KS
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 15, 1996
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $440.9M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $507.0M
- Average total loans
- $425.8M
- Average interest-bearing deposits
- $397.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 15, 1996
- FDIC Cert
- 34146
- Fed RSSD
- 2396592
- Website
- www.peoplesbankofseneca.com →
- Parent Holding Company
- PBS BANCSHARES, INC. (RSSD 4096645)
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, People's Bank of Seneca 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, People's Bank of Seneca's total assets ran between $408.6M (Q3 2023) and $497.4M (Q1 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
$495.5M total assets against $477.6M; $446.2M total liabilities against $433.6M.
$419.7M net loans and leases against $399.7M; $440.9M total deposits against $429.6M.
$19.3M securities against $26.5M; $33.4M cash and balances due against $28.8M.
$7.7M total interest income against $7.3M; $3.2M total interest expense against $3.3M.
$4.5M net interest income against $4.0M.
$395K total noninterest income against $304K; $2.2M total noninterest expense against $2.1M.
$500K provision for credit losses against $150K.
$1.7M net income against $1.5M.
1.37% return on assets against 1.21%; 3.68% net interest margin against 3.45%.
10.08% tier 1 leverage ratio against 9.64%.
Inside the full People's Bank of Seneca terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
People's Bank of Seneca rankings
Its closest position to the top of a national ranking is 467 of 3,606, for efficiency ratio; its furthest is 1,581 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.96% (Q3 2024) to 1.37% (Q2 2026) and its net interest margin ran from 2.97% (Q3 2024) to 3.68% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.08% | 1.37% | 1.01% | 8.46% | 3.68% |
| Q1 2026 | 9.94% | 1.31% | 0.90% | 7.18% | 3.53% |
| Q4 2025 | 10.36% | 1.13% | 1.40% | 11.18% | 3.55% |
| Q3 2025 | 10.01% | 1.32% | 0.23% | 1.78% | 3.62% |
| Q2 2025 | 9.64% | 1.21% | 0.86% | 7.29% | 3.45% |
| Q1 2025 | 9.36% | 1.16% | 0.26% | 2.22% | 3.37% |
| Q4 2024 | 9.28% | 1.19% | 0.64% | 5.54% | 3.28% |
| Q3 2024 | 9.08% | 0.96% | 0.61% | 5.49% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| People's Bank of Seneca (main office) | Seneca , MO | 64865 | $298.5M |
| People's Bank of Seneca (main office) | Joplin , MO | 64804 | $59.9M |
| Loma Linda Branch | Joplin , MO | 64804 | $40.1M |
| Neosho Branch | Neosho , MO | 64850 | $37.5M |
| Maiden Lane Branch | Joplin , MO | 64804 | $5.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 86 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 200 applications, 146 loans originated, $44.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.9M approved, $3.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 People's Bank of Seneca
What are People's Bank of Seneca's total assets?
As of the Q2 2026 filing, People's Bank of Seneca reported total assets of $495.5 million in its FFIEC call report.
Where is People's Bank of Seneca headquartered?
It is headquartered in Seneca, MO, United States.
When was People's Bank of Seneca founded?
It was established in 1996, per the FDIC institution directory.
Is People's Bank of Seneca FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates People's Bank of Seneca?
People's Bank of Seneca's primary federal regulator is the FDIC.
How many branches does People's Bank of Seneca operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is People's Bank of Seneca's Texas Ratio?
Its Texas Ratio is 8.46% 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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