Peoples Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Peoples Community Bank is an FDIC-insured commercial bank headquartered in Greenville, MO, established in 1977 (FDIC certificate 22394), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $735.2M, up 4.1% from Q2 2025, the 52nd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.54% 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
- 22394
- Headquarters
- Greenville, MO
- Established
- 1977
- Total assets, Q2 2026
- $735.2M
- Assets vs Q2 2025
- +4.1%
- Tier 1 leverage ratio, Q2 2026
- 18.54%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 081503597
- Holding company
- GREENVILLE BANCSHARES, INC.
- Asset rank in state
- 52nd of 191 in Missouri
Peoples Community Bank is one of the more profitable banks of its size. It reported $735 million in assets at June 30, 2026, up 4.1% from a year earlier. It earns about $2.39 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also funds 18.54% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.23% of loans, down from 1.79% a year earlier. Its $88 million non-owner-occupied commercial real estate book is improving, with 1.03% past due or on nonaccrual, down from 2.73% a year earlier.
As of June 30, 2026, Peoples Community Bank reported a return on assets of 2.39%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 4.65%. The figures come from its call report filed with the FFIEC.
Peoples Community Bank ranks as the 52nd 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 rose 1.6% to $735.2M, loans rose 1.4% and deposits rose 2.6%. 1-4 family residential loans made up 45.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.6%. The FDIC Summary of Deposits lists 16 offices for it, in 16 cities in MO; its Piedmont office books 16% of its branch deposits. Judged on its Q2 2026 call report, Peoples Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 Sycamore St, Greenville, MO 63944
- County
- Wayne
- 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 3, 1977
- Former names
- Peoples Bank of Wayne County (1991-1996)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 120
- Domestic deposits
- $599.8M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- -$43K
- Average total assets
- $727.4M
- Average total loans
- $498.9M
- Average interest-bearing deposits
- $503.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 3, 1977
- FDIC Cert
- 22394
- Fed RSSD
- 784159
- Website
- www.peoplescommunitybank.com →
- Parent Holding Company
- GREENVILLE BANCSHARES, INC. (RSSD 1119431)
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 Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Peoples Community Bank's total assets ranged from $651.5M (Q3 2023) to $735.2M (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
$735.2M total assets against $706.4M; $603.9M total liabilities against $587.8M.
$493.4M net loans and leases against $459.6M; $599.8M total deposits against $585.9M.
$155.9M securities against $149.1M; $50.3M cash and balances due against $32.3M.
$10.9M total interest income against $10.5M; $3.0M total interest expense against $3.1M.
$8.0M net interest income against $7.4M.
$1.2M total noninterest income against $1.1M; $4.5M total noninterest expense against $3.5M.
$270K provision for credit losses against $270K.
$4.3M net income against $4.8M.
2.39% return on assets against 2.71%; 4.75% net interest margin against 4.68%.
18.54% tier 1 leverage ratio against 17.85%.
Inside the full Peoples Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Community Bank rankings
Its closest position to the top of a national ranking is 210 of 3,611, for ROA; its furthest is 1,427 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.65% (Q1 2025) to 2.91% (Q3 2025) and its net interest margin ran from 4.24% (Q3 2024) to 4.83% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.54% | 2.39% | 1.23% | 4.65% | 4.75% |
| Q1 2026 | 19.56% | 2.83% | 1.59% | 5.67% | 4.71% |
| Q4 2025 | 19.16% | 2.24% | 1.50% | 5.59% | 4.81% |
| Q3 2025 | 18.72% | 2.91% | 1.56% | 6.29% | 4.83% |
| Q2 2025 | 17.85% | 2.71% | 1.79% | 7.09% | 4.68% |
| Q1 2025 | 18.43% | 1.65% | 1.16% | 4.34% | 4.27% |
| Q4 2024 | 18.45% | 2.19% | 1.06% | 3.97% | 4.40% |
| Q3 2024 | 17.88% | 2.39% | 0.94% | 4.10% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| Piedmont Facility | Piedmont , MO | 63957 | $99.0M |
| Cabool Branch | Cabool , MO | 65689 | $83.0M |
| Ellington Facility Branch | Ellington , MO | 63638 | $69.8M |
| Doniphan Branch | Doniphan , MO | 63935 | $68.1M |
| Republic Branch | Republic , MO | 65738 | $57.9M |
| Marble Hill Branch | Marble Hill , MO | 63764 | $33.6M |
| Puxico Facility Branch | Puxico , MO | 63960 | $29.9M |
| Poplar Bluff Branch | Poplar Bluff , MO | 63901 | $27.7M |
| Peoples Community Bank (main office) | Greenville , MO | 63944 | $25.1M |
| Bunker Branch | Bunker , MO | 63629 | $22.8M |
| Seligman Branch | Seligman , MO | 65745 | $20.1M |
| Annapolis Branch | Annapolis , MO | 63620 | $19.0M |
| Wappapello Facility | Wappapello , MO | 63966 | $18.3M |
| Naylor Branch | Naylor , MO | 63953 | $12.7M |
| Washburn Branch | Washburn , MO | 65772 | $7.3M |
| Peoples Community Bank - Aurora Branch | Aurora , MO | 65605 | $5.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Cabool State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2014 | Structure Change | Acquired Peoples Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 69 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 302 applications, 239 loans originated, $37.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Peoples Community Bank
What are Peoples Community Bank's total assets?
As of the Q2 2026 filing, Peoples Community Bank reported total assets of $735.2 million in its FFIEC call report.
Where is Peoples Community Bank headquartered?
It is headquartered in Greenville, MO, United States.
When was Peoples Community Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Peoples Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Community Bank?
Peoples Community Bank's primary federal regulator is the FDIC.
How many branches does Peoples Community Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Community Bank's Texas Ratio?
Its Texas Ratio is 4.65% 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.
What was Peoples Community Bank previously called?
The charter now named Peoples Community Bank has also operated as Peoples Bank of Wayne County (1991-1996), per FDIC structure-change records.
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