People's Bank of Seneca: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks People's Bank of Seneca of Seneca, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.37% | 1.34% | +0.03% | 56th above |
| ROAE | 14.38% | 13.31% | +1.07% | 62nd above |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 36th below |
| Efficiency Ratio | 46.01% | 61.15% | -15.14% | 88th top |
| PPNR / Avg Assets | 2.07% | 1.68% | +0.39% | 75th top |
| Yield on Earning Assets | 6.32% | 5.67% | +0.65% | 81st top |
| Cost of Funds | 2.83% | 1.88% | +0.95% | 8th bottom |
| Net Interest Spread | 3.08% | 3.32% | -0.24% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.94% | +0.00% | 30th below |
| NPA / Total Assets | 0.88% | 0.70% | +0.18% | 23rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 71st above |
| ACL / NPLs (Coverage) | 146.99% | 1539.40% | -1392.41% | 39th below |
| Texas Ratio | 8.46% | 7.33% | +1.13% | 26th below |
| Provision / NCO | 4000.00% | 1393.59% | +2606.41% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.08% | 12.14% | -2.06% | 34th below |
| Equity / Assets | 9.95% | 11.38% | -1.43% | 44th below |
| TCE / Tangible Assets | 9.95% | 11.09% | -1.14% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.52% | 80.63% | +15.89% | 16th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.34% | 86.86% | +1.48% | 45th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.75% | 6.85% | -3.10% | 45th below |
| Loan Growth (Y/Y) | 5.10% | 7.90% | -2.80% | 49th below |
| Deposit Growth (Y/Y) | 2.65% | 6.29% | -3.64% | 40th below |
See People's Bank of Seneca's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock People's Bank of Seneca, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full People's Bank of Seneca profile, how to read a UBPR, or how this data updates.