Total Assets
$44M
Total balance-sheet footings
FDIC Cert #30065 · Monticello, Indiana · Est. 1899
Peoples Community Bank SB of Monticello, Indiana - FDIC Bank Health Profile
A community-scale look at Peoples Community Bank SB of Monticello, Indiana's own numbers, pulled straight from its quarterly FDIC Call Report.
- $44M
- Total assets
- B
- Health grade · Good
- 0.55%
- Return on assets
- 31.7%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples Community Bank SB of Monticello, Indiana earns a PlainBankData health grade of B (74/100), with well-capitalized at 31.73% Tier 1, 0.55% ROA, 80% efficiency ratio.
- #4,166
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 31.73%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Peoples Community Bank SB of Monticello, Indiana's 74/100 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 SB of Monticello, Indiana's composite health score
Tier 1 Capital Ratio (31.73%) 40/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (9.85%) 16/20
Efficiency Ratio (79.71%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$21M
Customer-funded liabilities
Net Loans
$41M
Outstanding loan book
Net Income
$233K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples Community Bank SB of Monticello, Indiana ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Community Bank SB of Monticello, Indiana's score of 74/100 falls in the highlighted band.
Peoples Community Bank SB of Monticello, Indiana'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 SB of Monticello, Indiana's $44M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
31.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
31.73%
Texas Ratio
9.85%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
1.74%
Efficiency Ratio
79.71%
What the numbers say about Peoples Community Bank SB of Monticello, Indiana
Peoples Community Bank SB of Monticello, Indiana is an FDIC-insured institution (Certificate #30065) headquartered in Monticello, Indiana, established in 1899. It holds $44M in total assets - 4,166th of 4,313 FDIC-insured banks, $21M in customer deposits, and $41M in net loans. Its capital position: a Tier 1 ratio of 31.73%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 9.85% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 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 SB of Monticello, Indiana is a community-scale institution -- 87th of 90 FDIC-insured banks headquartered in Indiana by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$6K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Community Bank SB of Monticello, Indiana reports a Texas Ratio of 9.85% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.85% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Community Bank SB of Monticello, Indiana (FDIC Cert #30065) - 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 Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is Peoples Community Bank SB of Monticello, Indiana's health grade?▼
Peoples Community Bank SB of Monticello, Indiana receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Peoples Community Bank SB of Monticello, Indiana?▼
Peoples Community Bank SB of Monticello, Indiana holds $44M in total assets and $21M in deposits, ranking 4,166th of 4,313 FDIC-insured banks by asset size. It is headquartered in Monticello, Indiana.
Is my money safe at Peoples Community Bank SB of Monticello, Indiana?▼
Yes, deposits at Peoples Community Bank SB of Monticello, Indiana (Certificate #30065) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Peoples Community Bank SB of Monticello, Indiana's Tier 1 Capital Ratio?▼
Peoples Community Bank SB of Monticello, Indiana has a Tier 1 Capital Ratio of 31.73%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Peoples Community Bank SB of Monticello, Indiana?▼
Peoples Community Bank SB of Monticello, Indiana has a Texas Ratio of 9.85%. 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 SB of Monticello, Indiana?▼
Peoples Community Bank SB of Monticello, Indiana has an Efficiency Ratio of 79.71%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Peoples Community Bank SB of Monticello, Indiana's profile as a depositor or analyst.
- Peoples Community Bank SB of Monticello, Indiana's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Peoples Community Bank SB of Monticello, Indiana against other Indiana banks before moving funds. Indiana 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.