BlastPoint's Banking Scorecard
Peoples Bank
Micro
Specialty: Other
MO
FDIC cert 12230
Designations: ✓ Community bank
Cuba, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Peoples Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.41% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$250.9M
+2.4% YoY
+4.2% QoQ
|
+$33.4M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$162.9M
-0.6% YoY
-1.2% QoQ
|
+$23.7M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$229.5M
+1.1% YoY
+4.4% QoQ
|
+$45.9M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.59%
+32.2% YoY
-4.4% QoQ
|
+0.50% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.87%
+14.7% YoY
+1.0% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
63.69%
-8.0% YoY
+0.1% QoQ
|
-4.04% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.24%
-61.2% YoY
-14.5% QoQ
|
-0.40% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
70.97%
-1.6% YoY
-5.4% QoQ
|
-3.56% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
19.79%
-2.7% YoY
-10.0% QoQ
|
-2.60% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.15%
-62.4% YoY
-19.0% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.97%
+6.8% YoY
+29.1% QoQ
|
+0.41% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.97%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.56%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
66
66th pctile
Total Deposits
Current: $229.5M · Tier avg: $183.7M
64
64th pctile
Total Loans
Current: $162.9M · Tier avg: $139.2M
63
63th pctile
Total Assets
Current: $250.9M · Tier avg: $217.5M
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.97% · Tier avg: 74.53%
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
56
56th pctile
Efficiency Ratio
Current: 63.69% · Tier avg: 67.73%
53
53th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.79% · Tier avg: 22.39%
Top Weaknesses
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.79% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
56
56th pctile
Efficiency Ratio
Current: 63.69% · Tier avg: 67.73%
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.97% · Tier avg: 74.53%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
63
63th pctile
Total Assets
Current: $250.9M · Tier avg: $217.5M
64
64th pctile
Total Loans
Current: $162.9M · Tier avg: $139.2M
66
66th pctile
Total Deposits
Current: $229.5M · Tier avg: $183.7M
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
91
91th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.56%