Total Assets
$707M
Total balance-sheet footings
FDIC Cert #22394 · Greenville, Missouri · Est. 1977
Peoples Community Bank - FDIC Bank Health Profile
A community-scale look at Peoples Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $707M
- Total assets
- A
- Health grade · Excellent
- 2.39%
- Return on assets
- 19.2%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples Community Bank earns a PlainBankData health grade of A (96/100), with well-capitalized at 19.16% Tier 1, profitable at 2.39% ROA, efficient (48% cost ratio).
- #1,375
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 19.16%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Peoples Community Bank's 96/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Peoples Community Bank's composite health score
Tier 1 Capital Ratio (19.16%) 40/40
Return on Assets (ROA) (2.39%) 25/25
Texas Ratio (5.33%) 16/20
Efficiency Ratio (47.67%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$572M
Customer-funded liabilities
Net Loans
$481M
Outstanding loan book
Net Income
$17M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Community Bank's score of 96/100 falls in the highlighted band.
Peoples Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peoples Community Bank's $707M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.16%
Texas Ratio
5.33%
Equity Capital
$132M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.39%
Return on Equity (ROE)
13.60%
Efficiency Ratio
47.67%
What the numbers say about Peoples Community Bank
Peoples Community Bank is an FDIC-insured institution (Certificate #22394) headquartered in Greenville, Missouri, established in 1977. It holds $707M in total assets - 1,375th of 4,313 FDIC-insured banks, $572M in customer deposits, and $481M in net loans. Its capital position: a Tier 1 ratio of 19.16%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.33% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (96 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Peoples Community Bank sits 56th of 198 banks headquartered in Missouri by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$42M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Community Bank reports a Texas Ratio of 5.33% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.33% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Community Bank (FDIC Cert #22394) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
Frequently asked questions
What is Peoples Community Bank's health grade?▼
Peoples Community Bank receives a health grade of A (96/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Peoples Community Bank?▼
Peoples Community Bank holds $707M in total assets and $572M in deposits, ranking 1,375th of 4,313 FDIC-insured banks by asset size. It is headquartered in Greenville, Missouri.
Is my money safe at Peoples Community Bank?▼
Yes, deposits at Peoples Community Bank (Certificate #22394) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peoples Community Bank's Tier 1 Capital Ratio?▼
Peoples Community Bank has a Tier 1 Capital Ratio of 19.16%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Peoples Community Bank?▼
Peoples Community Bank has a Texas Ratio of 5.33%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Peoples Community Bank?▼
Peoples Community Bank has an Efficiency Ratio of 47.67%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Peoples Community Bank's profile as a depositor or analyst.
- Peoples Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peoples Community Bank against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.