Peoples Community Bank SB of Monticello, Indiana
Monticello, IN · Cert 30065 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SL · FDIC · 1 branch
Q2 2026
$42.7MAssets
$40.0MLoans
$19.5MDeposits
$13.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 698 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.78%
Rank 531 of 746
Net Interest Margin
4.05%
Rank 229 of 746
Efficiency Ratio
71.66%
Rank 502 of 746
Equity / Assets
31.97%
Rank 12 of 746
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 33% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.72% | 1.06% | 1.45% | Beats 29% | 531 / 746 | |
| Return on Equity | 2.43% | 6.74% | 10.51% | 13.63% | Beats 10% | 672 / 746 | |
| Net Interest Margin | 4.05% | 3.17% | 3.68% | 4.16% | Beats 69% | 229 / 746 | |
| Efficiency Ratio | 71.66% | 55.74% | 64.58% | 75.47% | Beats 33% | 502 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.84% | 0.09% | 0.42% | 1.07% | Beats 6% | 698 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 32.00% | 11.55% | 13.75% | 17.60% | Beats 96% | 32 / 746 | |
| Total Risk-Based Capital Ratio | 32.00% | 11.71% | 14.33% | 18.43% | Beats 95% | 34 / 746 | |
| Equity / Assets | 31.97% | 8.90% | 10.51% | 13.06% | Beats 98% | 12 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 206% | 61.31% | 78.27% | 90.78% | 100th pctl | 2 / 746 | |
| Loans / Assets | 93.73% | 53.60% | 66.97% | 76.08% | 100th pctl | 2 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |