TellerScore

Headquartered in Altenburg, Missouri, Peoples Bank Co. is a state-chartered bank (fed member) with $147.7M in total assets and $124.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1910.

Peoples Bank Co. has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 131st. Problem-loan coverage contributes the most (99/100, 0.4%); capital cushion contributes the least (34/100, 8.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Tier 1 leverage ratio: 8.36%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 78.6% · 4.2% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (72 → 67), mostly because the earnings component weakened by 13 points.

TellerScore
666972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202468
Q1 202570
Q2 202572
Q3 202571
Q4 202569
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%7.46%9.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.44%
Q3 20249.53%
Q4 20249.46%
Q1 20259.93%
Q2 20259.50%
Q3 20259.21%
Q4 20258.93%
Q1 20268.75%
Q2 20268.36%
Noncurrent loans
0.06%0.21%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.30%
Q4 20240.29%
Q1 20250.37%
Q2 20250.08%
Q3 20250.08%
Q4 20250.07%
Q1 20260.17%
Q2 20260.06%
Return on assets
0.67%0.89%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.87%
Q4 20240.92%
Q1 20251.11%
Q2 20251.04%
Q3 20250.90%
Q4 20250.96%
Q1 20260.67%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$147.7M8.36%0.06%0.73%78.6%
Q1 202666$144.1M8.75%0.17%0.67%77.0%
Q4 202569$125.9M8.93%0.07%0.96%86.1%
Q3 202571$128.6M9.21%0.08%0.90%76.4%
Q2 202572$115.8M9.50%0.08%1.04%81.0%
Q1 202570$108.3M9.93%0.37%1.11%85.0%
Q4 202468$90.7M9.46%0.29%0.92%89.7%
Q3 202467$88.7M9.53%0.30%0.87%89.1%
Q2 202467$89.4M9.44%0.33%0.83%84.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.36%
5th
Total risk-based capital0.00%
24th
Problem loans0.06%
78th
Net charge-offs0.01%
46th
Return on assets0.73%
20th
Net interest margin3.44%
25th
Efficiency ratio74.8%
21st
Loans to deposits78.6%
52nd
Uninsured deposits4.2%
99th
Loan-loss reserves1.05%
32nd
Texas ratio0.4%
78th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
First Independent BankBank Aurora, MO74 out of 100, Strong$147.6M11.6%1.00%vs
Bank of SalemBank Salem, MO65 out of 100, Moderate$147.0M9.5%0.71%vs
Peoples Bank of Wyaconda, MissouriBank Kahoka, MO78 out of 100, Strong$148.5M10.6%0.02%vs
Security Bank of Southwest MissouriBank Cassville, MO68 out of 100, Moderate$146.8M12.7%2.18%vs
Independent Farmers BankBank Maysville, MO71 out of 100, Strong$146.5M10.5%0.66%vs
Jonesburg State BankBank Jonesburg, MO81 out of 100, Strong$145.6M9.9%0.00%vs

Deposit insurance

Is my money safe at Peoples Bank Co.?

Yes. Peoples Bank Co. is an FDIC-insured institution (FDIC certificate #12226). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 4.2% of deposits ($5.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.36%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Peoples Bank Co. lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Peoples Bank Co.
Former names
Peoples Bank of Altenburg; Bank of Altenburg
Type
State-chartered bank (Fed member)
FDIC certificate #
12226
RSSD ID
941541
Primary regulator
FED
Holding company
Lincoln County Bcorp Inc
Established
January 1, 1910
Headquarters
8537 Main St, Altenburg, MO 63732
Employees
23

Quick answers

Peoples Bank Co.: common questions

Is Peoples Bank Co. FDIC insured?

Yes. Peoples Bank Co. is an FDIC-insured institution (FDIC certificate #12226). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Bank Co.'s TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Peoples Bank Co. ever failed?

There is no failure record for FDIC certificate #12226 in the FDIC failed bank list.

How many branches does Peoples Bank Co. have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Altenburg

InstitutionScoreAssetsCapitalProblem loansCompare
Carbondale Highway Credit UnionCredit union Carbondale, IL90 out of 100, Very strong$5.6M15.6%0.00%vs
Alliance BankBank Cape Girardeau, MO84 out of 100, Strong$391.3M13.6%0.26%vs
The First National Bank of AvaBank Ava, IL84 out of 100, Strong$78.3M12.8%0.07%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Anna State BankBank Anna, IL81 out of 100, Strong$111.6M12.5%0.02%vs
Du Quoin State BankBank Du Quoin, IL78 out of 100, Strong$148.2M10.8%0.00%vs