Peoples Bank
Cuba, MO · Cert 12230 · Peer group: banks under $1B in assets in MO (n=82-83) · Peoples Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$248.7MAssets
$172.4MLoans
$227.1MDeposits
$20.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks under $1B in assets in MO (rank 15 of 83).
- Widest gap: equity / assets trails 88% of banks under $1B in assets in MO (rank 73 of 83).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.39%
Rank 39 of 83
Net Interest Margin
3.78%
Rank 46 of 83
Efficiency Ratio
62.22%
Rank 54 of 83
Equity / Assets
8.24%
Rank 73 of 83
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 36% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.96% | 1.32% | 1.75% | Beats 53% | 39 / 83 | |
| Return on Equity | 16.82% | 9.66% | 12.96% | 15.76% | Beats 82% | 15 / 83 | |
| Net Interest Margin | 3.78% | 3.35% | 3.85% | 4.16% | Beats 45% | 46 / 83 | |
| Efficiency Ratio | 62.22% | 49.83% | 58.83% | 68.51% | Beats 36% | 54 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.08% | 0.51% | 1.01% | Beats 66% | 29 / 82 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.06% | Beats 30% | 58 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 10.96% | 11.01% | 12.49% | 14.98% | Beats 22% | 65 / 83 | |
| Total Risk-Based Capital Ratio | 10.96% | 11.13% | 13.01% | 15.10% | Beats 18% | 68 / 83 | |
| Equity / Assets | 8.24% | 8.83% | 10.71% | 13.29% | Beats 12% | 73 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 75.91% | 69.28% | 83.22% | 91.21% | 37th pctl | 52 / 82 | |
| Loans / Assets | 69.31% | 59.34% | 71.15% | 78.36% | 43rd pctl | 47 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |