BlastPoint's Banking Scorecard
Peoples Community Bank
Community
Specialty: Commercial
MO
FDIC cert 22394
Greenville, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Peoples Community Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 30% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$707.4M
+2.0% YoY
+0.4% QoQ
|
-$684.0M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$480.9M
+6.5% YoY
+1.8% QoQ
|
-$494.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$572.1M
-0.0% YoY
-0.7% QoQ
|
-$592.5M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
2.39%
+5.0% YoY
-1.9% QoQ
|
+1.22% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.54%
+9.8% YoY
+1.2% QoQ
|
+0.87% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
47.67%
+0.4% YoY
+2.5% QoQ
|
-14.96% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
1.52%
+42.2% YoY
-4.0% QoQ
|
+0.89% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
84.06%
+6.6% YoY
+2.5% QoQ
|
+1.00% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
14.94%
-4.2% YoY
-9.4% QoQ
|
-6.11% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.06%
+52.4% YoY
-8.4% QoQ
|
+0.56% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.62%
-12.6% YoY
+26.4% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#112 of 371 · Top 30% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.39%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (1)
Capital Thin
risk
#118 of 432 · Bottom 27% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
96
96th pctile
Return on Assets
Current: 2.39% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.67% · Tier avg: 62.63%
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
64
64th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
53
53th pctile
Loan-to-Deposit Ratio
Current: 84.06% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Total Loans
Current: $480.9M · Tier avg: $975.5M
28
28th pctile
Total Assets
Current: $707.4M · Tier avg: $1.4B
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.94% · Tier avg: 21.05%
25
25th pctile
Total Deposits
Current: $572.1M · Tier avg: $1.2B
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.63%
Top Weaknesses
15
15th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
25
25th pctile
Total Deposits
Current: $572.1M · Tier avg: $1.2B
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.94% · Tier avg: 21.05%
28
28th pctile
Total Assets
Current: $707.4M · Tier avg: $1.4B
28
28th pctile
Total Loans
Current: $480.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
53
53th pctile
Loan-to-Deposit Ratio
Current: 84.06% · Tier avg: 83.06%
64
64th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
88
88th pctile
Net Interest Margin
Current: 4.54% · Tier avg: 3.66%
88
88th pctile
Efficiency Ratio
Current: 47.67% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.39% · Tier avg: 1.16%