People's Bank of Seneca
Seneca, MO · Cert 34146 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · PBS Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$495.5MAssets
$425.6MLoans
$440.9MDeposits
$49.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 89% of banks under $1B in assets operating in a single state (rank 85 of 746).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets operating in a single state (rank 682 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.36%
Rank 228 of 746
Net Interest Margin
3.41%
Rank 482 of 746
Efficiency Ratio
48.22%
Rank 85 of 746
Equity / Assets
9.95%
Rank 433 of 746
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 89% 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 | 1.36% | 0.72% | 1.06% | 1.45% | Beats 69% | 228 / 746 | |
| Return on Equity | 13.65% | 6.74% | 10.51% | 13.63% | Beats 75% | 186 / 746 | |
| Net Interest Margin | 3.41% | 3.17% | 3.68% | 4.16% | Beats 35% | 482 / 746 | |
| Efficiency Ratio | 48.22% | 55.74% | 64.58% | 75.47% | Beats 89% | 85 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.09% | 0.42% | 1.07% | Beats 27% | 547 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 60% | 299 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.08% | 11.55% | 13.75% | 17.60% | Beats 9% | 677 / 746 | |
| Total Risk-Based Capital Ratio | 10.08% | 11.71% | 14.33% | 18.43% | Beats 9% | 682 / 746 | |
| Equity / Assets | 9.95% | 8.90% | 10.51% | 13.06% | Beats 42% | 433 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 96.52% | 61.31% | 78.27% | 90.78% | 86th pctl | 103 / 746 | |
| Loans / Assets | 85.89% | 53.60% | 66.97% | 76.08% | 96th pctl | 27 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |