Bank Safety Analysis
Is Peoples Community Bank SB of Monticello, Indiana Safe? Monticello, Indiana
Based on its Q3 2026 call report, Peoples Community Bank SB of Monticello, Indiana meets the community bank leverage ratio test for well capitalized, its Texas ratio is 8.17%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Peoples Community Bank SB of Monticello, Indiana safe?
On its Q3 2026 call report, Peoples Community Bank SB of Monticello, Indiana's Community Bank Leverage Ratio is 31.75%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 31.75%
- Texas ratio (Q3 2026): 8.17%
- Noncurrent loans ratio (Q3 2026): 2.75%
Peoples Community Bank SB of Monticello, Indiana is an FDIC-insured savings and loan association (FDIC Certificate #30065). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Peoples Community Bank SB of Monticello, Indiana (FDIC Certificate #30065) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Peoples Community Bank SB of Monticello, Indiana meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 1 risk screen is flagged: loan-to-deposit ratio.
Return on assets climbed 0.57 percentage points in Q3 2026, from 0.36% to 0.92%. It was the largest change from Q2 2026 among the key lines here. Among 87 Indiana banks, Peoples Community Bank SB of Monticello, Indiana sits 3rd from the top on leverage ratio, 31.75% as of Q3 2026. Peoples Community Bank SB of Monticello, Indiana's leverage ratio of 31.75% is well above the 12.88% median for banks in the < $100M asset tier, a gap of 18.87 points (Q3 2026).
From Q4 2023 to Q3 2026, Peoples Community Bank SB of Monticello, Indiana's Texas ratio ranged between 1.63% (Q4 2023) and 9.85% (Q4 2025). Between Q3 2025 and Q3 2026, Peoples Community Bank SB of Monticello, Indiana's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.87% to 2.75%, Texas ratio rose from 2.52% to 8.17% and return on assets rose from 0.70% to 0.92%.
By total assets at Q3 2026, Peoples Community Bank SB of Monticello, Indiana is the 85th largest of the 87 banks headquartered in Indiana. 1-4 family residential loans are its largest loan category, $34.2M of $42.0M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Peoples Community Bank SB of Monticello, Indiana's community bank leverage ratio of 31.75% is above the 12.88% median, nonperforming loans ratio of 2.75% is above the 0.36% median, Texas ratio of 8.17% is above the 1.89% median, and efficiency ratio of 66.02% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Peoples Community Bank SB of Monticello, Indiana's composite risk score is 0.65 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does Peoples Community Bank SB of Monticello, Indiana score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Peoples Community Bank SB of Monticello, Indiana trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 8.17% | Within range |
| Nonperforming loan ratio BankRegReports band | 2.75% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 212.40% | Flagged |
| Commercial real estate to capital supervisory threshold | 12.39% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 8.17% |
| Q2 2026 | 8.12% |
| Q1 2026 | 7.84% |
| Q4 2025 | 9.85% |
| Q3 2025 | 2.52% |
| Q2 2025 | 2.10% |
| Q1 2025 | 2.67% |
| Q4 2024 | 3.52% |
| Q3 2024 | 5.21% |
| Q2 2024 | 2.66% |
| Q1 2024 | 3.08% |
| Q4 2023 | 1.63% |
Loans by type, Q3 2026
- 1-4 family residential loans: $34.2M
- Owner-occupied commercial real estate loans: $3.1M
- Commercial and industrial loans: $1.6M
- Auto loans: $933K
- Construction and land development loans: $919K
- Multifamily loans: $573K
- Other consumer loans: $341K
- Non-owner-occupied commercial real estate loans: $257K
How have Peoples Community Bank SB of Monticello, Indiana's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $44.4M | 31.75% | 2.75% | 8.17% | 66.02% |
| Jun 30, 2026 | $42.7M | 32.00% | 2.84% | 8.12% | 76.89% |
| Mar 31, 2026 | $42.8M | 31.38% | 2.76% | 7.84% | 66.81% |
| Dec 31, 2025 | $43.6M | 31.73% | 3.31% | 9.85% | 78.70% |
| Sep 30, 2025 | $43.2M | 31.96% | 0.87% | 2.52% | 80.19% |
| Jun 30, 2025 | $41.8M | 31.98% | 0.74% | 2.10% | 73.63% |
| Mar 31, 2025 | $41.1M | 32.29% | 0.99% | 2.67% | 86.05% |
| Dec 31, 2024 | $40.6M | 32.76% | 1.29% | 3.52% | 70.78% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Peoples Community Bank SB of Monticello, Indiana FDIC insured?
Yes. Peoples Community Bank SB of Monticello, Indiana is an FDIC-insured savings and loan association (FDIC Certificate #30065). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Peoples Community Bank SB of Monticello, Indiana well capitalized?
On its Q3 2026 call report, Peoples Community Bank SB of Monticello, Indiana's Community Bank Leverage Ratio is 31.75%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Peoples Community Bank SB of Monticello, Indiana's key safety ratios?
For Q3 2026, Peoples Community Bank SB of Monticello, Indiana reports leverage 31.75%, Texas ratio 8.17%, noncurrent loans 2.75%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Peoples Community Bank SB of Monticello, Indiana fails?
For Q3 2026, Peoples Community Bank SB of Monticello, Indiana reported $19.8M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Peoples Community Bank SB of Monticello, Indiana profile.
How we score this
Peoples Community Bank SB of Monticello, Indiana elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Peoples Community Bank SB of Monticello, Indiana fails or is near these bands: Nonperforming Loans (NPL) Ratio, pass < 1.5% and fail > 3.0%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 30065) · FFIEC NIC profile (RSSD 654579)
Explore: Full Peoples Community Bank SB of Monticello, Indiana profile · Other banks in IN · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.