Peoples Bank of Moniteau County
Jamestown, MO · Cert 15792 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Jamestown Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$83.2MAssets
$50.4MLoans
$73.3MDeposits
$8.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 78% of banks under $1B in assets operating in a single state (rank 166 of 746).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets operating in a single state (rank 606 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.37%
Rank 225 of 746
Net Interest Margin
3.36%
Rank 503 of 746
Efficiency Ratio
53.94%
Rank 166 of 746
Equity / Assets
10.18%
Rank 403 of 746
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 78% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.72% | 1.06% | 1.45% | Beats 70% | 225 / 746 | | |
| Return on Equity | 13.42% | 6.74% | 10.51% | 13.63% | Beats 73% | 205 / 746 | | |
| Net Interest Margin | 3.36% | 3.17% | 3.68% | 4.16% | Beats 33% | 503 / 746 | | |
| Efficiency Ratio | 53.94% | 55.74% | 64.58% | 75.47% | Beats 78% | 166 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.09% | 0.42% | 1.07% | Beats 36% | 475 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 406 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.12% | 11.55% | 13.75% | 17.60% | Beats 20% | 595 / 746 | | |
| Total Risk-Based Capital Ratio | 11.12% | 11.71% | 14.33% | 18.43% | Beats 19% | 606 / 746 | | |
| Equity / Assets | 10.18% | 8.90% | 10.51% | 13.06% | Beats 46% | 403 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.79% | 61.31% | 78.27% | 90.78% | 34th pctl | 494 / 746 | | |
| Loans / Assets | 60.65% | 53.60% | 66.97% | 76.08% | 36th pctl | 474 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |