BlastPoint's Banking Scorecard
People's Bank of Seneca
Micro
Specialty: Commercial
MO
FDIC cert 34146
Designations: ✓ Community bank
Seneca, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
People's Bank of Seneca faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.80% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$483.0M
+1.8% YoY
+5.2% QoQ
|
+$265.5M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$408.0M
+3.0% YoY
+4.4% QoQ
|
+$268.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$410.8M
-1.5% YoY
+0.5% QoQ
|
+$227.1M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.20%
+11.9% YoY
-2.9% QoQ
|
+0.12% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.58%
+10.4% YoY
-0.6% QoQ
|
-0.28% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
51.71%
-8.8% YoY
+3.0% QoQ
|
-16.02% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
1.42%
+120.3% YoY
+518.5% QoQ
|
+0.78% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
99.33%
+4.5% YoY
+3.9% QoQ
|
+24.80% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.14%
+11.9% YoY
+8.8% QoQ
|
-11.25% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.20%
+122.8% YoY
+513.6% QoQ
|
+0.75% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
15% |
| 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 ? |
0.26%
+1.8% YoY
+29.4% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.33%
(Tier avg: 74.53%, National avg: 78.04%)
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
100
100th pctile
Total Loans
Current: $408.0M · Tier avg: $139.2M
98
98th pctile
Total Assets
Current: $483.0M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $410.8M · Tier avg: $183.7M
87
87th pctile
Efficiency Ratio
Current: 51.71% · Tier avg: 67.73%
59
59th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
20
20th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.20% · Tier avg: 0.45%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.14% · Tier avg: 22.39%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.33% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.33% · Tier avg: 74.53%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.14% · Tier avg: 22.39%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.20% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.64%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.71% · Tier avg: 67.73%
98
98th pctile
Total Deposits
Current: $410.8M · Tier avg: $183.7M
98
98th pctile
Total Assets
Current: $483.0M · Tier avg: $217.5M
100
100th pctile
Total Loans
Current: $408.0M · Tier avg: $139.2M