Peoples Community Bank SB of Monticello, Indiana
Peoples Community Bank SB of Monticello, Indiana is an FDIC-insured savings and loan association headquartered in Monticello, IN, supervised by the FDIC, with $44.4M in total assets at Q3 2026, up 2.8% from Q3 2025, the 85th largest of 87 banks headquartered in Indiana. It was established in 1899 and holds FDIC certificate 30065. It reports no CET1 ratio; its Tier 1 leverage ratio was 31.75% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
Also written as PCB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30065
- Headquarters
- Monticello, IN
- Established
- 1899
- Total assets, Q3 2026
- $44.4M
- Assets vs Q3 2025
- +2.8%
- Tier 1 leverage ratio, Q3 2026
- 31.75%
- Domestic offices
- 1 branch
- Routing number
- 274970652
- Safety and soundness
- Is Peoples Community Bank SB of Monticello, Indiana safe?
- Latest call report
- Q3 2026, FFIEC 051 · Peoples Community Bank SB of Monticello, Indiana call report
- Asset rank in state
- 85th of 87 in Indiana
Problem loans are rising at Peoples Community Bank SB of Monticello, Indiana. Based in Monticello, Indiana, it had $44 million in assets at September 30, 2026, up 2.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.75% of loans from 0.87% a year earlier. It pays an average of 3.99% on its deposits and borrowings, 2.5 times the median of 1.58% for the 526 banks with less than $100 million in assets. On the other hand, it funds 31.75% of its assets with Tier 1 capital, 2.4 times the median of 13.05% for banks its size.
Earnings jumped: net income for the quarter was $100,000, 37% above the same quarter a year earlier. Over the same year, loans grew 5.0% and deposits shrank 4.3%. Profitability lags: it returns 2.9% a year on shareholders' equity, about a third the median of 8.8% for banks its size.
As of September 30, 2026, Peoples Community Bank SB of Monticello, Indiana reported a return on assets of 0.92%, a nonperforming-loan ratio of 2.75% and a Texas ratio of 8.17%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Peoples Community Bank SB of Monticello, Indiana is the 85th largest of the 87 banks headquartered in Indiana. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 4.0% to $44.4M, loans rose 4.8% and deposits rose 1.6%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 81.5% of total loans, followed by owner-occupied commercial real estate loans at 7.5%. The FDIC Summary of Deposits lists a single office for it, in Monticello, IN. By the capital ratios in its Q3 2026 call report, Peoples Community Bank SB of Monticello, Indiana meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 126 Constitution Plz, Monticello, IN 47960
- County
- White
- Metro Area
- Monticello, IN
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- 1899
- Domestic offices
- 1 branch
- Employees (FTE)
- 5
- Domestic deposits
- $19.8M
- Allowance for credit losses
- $363K
- Net charge-offs (YTD)
- $0
- Average total assets
- $43.3M
- Average total loans
- $40.9M
- Average interest-bearing deposits
- $19.1M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30065
- Fed RSSD
- 654579
- Website
- www.peoplesmonticello.com →
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Peoples Community Bank SB of Monticello, Indiana: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Peoples Community Bank SB of Monticello, Indiana reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Peoples Community Bank SB of Monticello, Indiana's total assets ran between $38.2M (Q4 2023) and $44.4M (Q3 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$44.4M total assets against $43.2M; $30.7M total liabilities against $29.8M.
$41.6M net loans and leases against $39.6M; $19.8M total deposits against $20.6M.
$0 securities against $0; $1.9M cash and balances due against $2.7M.
$649K total interest income against $635K; $198K total interest expense against $218K.
$451K net interest income against $417K.
$11K total noninterest income against $2K; $305K total noninterest expense against $336K.
$4K provision for credit losses against $0.
$100K net income against $73K.
0.92% return on assets against 0.70%; 4.22% net interest margin against 3.98%.
31.75% tier 1 leverage ratio against 31.96%.
Inside the full Peoples Community Bank SB of Monticello, Indiana 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Peoples Community Bank SB of Monticello, Indiana rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.36% (Q2 2026) to 1.18% (Q1 2026) and its net interest margin ran from 3.05% (Q4 2024) to 4.22% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 31.75% | 0.92% | 2.75% | 8.17% | 4.22% |
| Q2 2026 | 32.00% | 0.36% | 2.84% | 8.12% | 3.95% |
| Q1 2026 | 31.38% | 1.18% | 2.76% | 7.84% | 4.17% |
| Q4 2025 | 31.73% | 0.61% | 3.31% | 9.85% | 3.76% |
| Q3 2025 | 31.96% | 0.70% | 0.87% | 2.52% | 3.98% |
| Q2 2025 | 31.98% | 0.53% | 0.74% | 2.10% | 3.48% |
| Q1 2025 | 32.28% | 0.39% | 0.99% | 2.67% | 3.70% |
| Q4 2024 | 32.76% | 0.51% | 1.29% | 3.52% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Community Bank SB of Monticello, Indiana (main office) | Monticello , IN | 47960 | $19.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 122 of 129 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 Community Bank SB of Monticello, Indiana
What are Peoples Community Bank SB of Monticello, Indiana's total assets?
As of the Q3 2026 filing, Peoples Community Bank SB of Monticello, Indiana reported total assets of $44.4 million in its FFIEC call report.
Where is Peoples Community Bank SB of Monticello, Indiana headquartered?
It is headquartered in Monticello, IN, United States.
When was Peoples Community Bank SB of Monticello, Indiana founded?
It was established in 1899, per the FDIC institution directory.
Is Peoples Community Bank SB of Monticello, Indiana FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #30065). 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 SB of Monticello, Indiana?
Peoples Community Bank SB of Monticello, Indiana's primary federal regulator is the FDIC.
How many branches does Peoples Community Bank SB of Monticello, Indiana operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Community Bank SB of Monticello, Indiana's Texas Ratio?
Its Texas Ratio is 8.17% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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