Peoples Bank of Wyaconda
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank of Wyaconda is an FDIC-insured commercial bank headquartered in Kahoka, MO, established in 1914 (FDIC certificate 15415), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $148.5M, up 5.2% from Q2 2025, the 140th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.56% 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
- 15415
- Headquarters
- Kahoka, MO
- Established
- 1914
- Total assets, Q2 2026
- $148.5M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 10.56%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081514829
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank of Wyaconda Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- CLARK COUNTY BANCSHARES, INC.
- Asset rank in state
- 140th of 191 in Missouri
Peoples Bank of Wyaconda, based in Kahoka, Missouri, reported $148 million in assets at June 30, 2026, up 5.2% from a year earlier. It holds commercial real estate loans equal to only 11% of its capital, a small fraction of the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Net income for the quarter rose 20% from a year earlier, to $465,000. Over the same year, loans grew 14.9% and deposits grew 4.3%. Funding is the softer spot: it pays an average of 2.25% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Peoples Bank of Wyaconda reported a return on assets of 1.26%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples Bank of Wyaconda is the 140th largest of the 191 banks headquartered in Missouri. Between Q1 2026 and Q2 2026, its total assets rose 2.4% to $148.5M, loans rose 4.7% and deposits rose 2.4%. Farmland and other real estate loans made up 30.3% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 28.3%. The FDIC Summary of Deposits lists 3 offices for it, in Kahoka, MO, Wyaconda, MO and Canton, MO; its Kahoka office books 55% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peoples Bank of Wyaconda meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 310 S Johnson St, Kahoka, MO 63445
- County
- Clark
- 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
- December 17, 1914
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $131.3M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$55K
- Average total assets
- $147.0M
- Average total loans
- $104.8M
- Average interest-bearing deposits
- $114.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 24, 1936
- FDIC Cert
- 15415
- Fed RSSD
- 223452
- Website
- http://www.pbwbank.com →
- Parent Holding Company
- CLARK COUNTY BANCSHARES, INC. (RSSD 1097995)
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 Wyaconda reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoples Bank of Wyaconda's total assets moved between a low of $127.9M (Q3 2023) and a high of $148.5M (Q2 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
$148.5M total assets against $141.2M; $133.3M total liabilities against $126.8M.
$105.7M net loans and leases against $91.8M; $131.3M total deposits against $126.0M.
$31.0M securities against $34.3M; $7.3M cash and balances due against $11.1M.
$2.2M total interest income against $2.0M; $744K total interest expense against $768K.
$1.4M net interest income against $1.3M.
$80K total noninterest income against $71K; $795K total noninterest expense against $764K.
$45K provision for credit losses against $45K.
$465K net income against $386K.
1.26% return on assets against 1.08%; 3.97% net interest margin against 3.64%.
10.56% tier 1 leverage ratio against 10.35%.
Inside the full Peoples Bank of Wyaconda terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank of Wyaconda rankings
Its closest position to the top of a national ranking is 1,066 of 3,606, for efficiency ratio; its furthest is 3,239 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q3 2024) to 1.40% (Q1 2026) and its net interest margin ran from 3.17% (Q3 2024) to 3.97% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.56% | 1.26% | 0.02% | 0.10% | 3.97% |
| Q1 2026 | 10.32% | 1.40% | 0.10% | 0.64% | 3.83% |
| Q4 2025 | 10.31% | 1.30% | 0.11% | 0.65% | 3.96% |
| Q3 2025 | 10.45% | 1.27% | 0.16% | 0.95% | 3.87% |
| Q2 2025 | 10.35% | 1.08% | 0.29% | 1.65% | 3.64% |
| Q1 2025 | 10.10% | 1.14% | 0.29% | 1.75% | 3.42% |
| Q4 2024 | 10.35% | 1.04% | 0.33% | 2.01% | 3.41% |
| Q3 2024 | 10.18% | 1.00% | 0.01% | 0.05% | 3.17% |
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 |
|---|---|---|---|
| Peoples Bank of Wyaconda, Missouri | Kahoka , MO | 63445 | $71.9M |
| Main Street Facility | Wyaconda , MO | 63474 | $35.4M |
| Washington Street Branch | Canton , MO | 63435 | $24.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 173 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Wyaconda
What are Peoples Bank of Wyaconda's total assets?
As of the Q2 2026 filing, Peoples Bank of Wyaconda reported total assets of $148.5 million in its FFIEC call report.
Where is Peoples Bank of Wyaconda headquartered?
It is headquartered in Kahoka, MO, United States.
When was Peoples Bank of Wyaconda founded?
It was established in 1914, per the FDIC institution directory.
Is Peoples Bank of Wyaconda FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15415). 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 Wyaconda?
Peoples Bank of Wyaconda's primary federal regulator is the FDIC.
How many branches does Peoples Bank of Wyaconda 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 of Wyaconda's Texas Ratio?
Its Texas Ratio is 0.10% 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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