Headquartered in Seneca, Missouri, People's Bank of Seneca is a state-chartered bank with $495.5M in total assets and $440.9M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1996.
Based on its Q2 2026 filing, People's Bank of Seneca scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 140th. Its strongest component is problem-loan coverage (83/100; 8.5%), and its lowest is capital cushion (51/100; 10.08%).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (63 → 65), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 67 |
| Q2 2025 | 63 |
| Q3 2025 | 71 |
| Q4 2025 | 60 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.80% |
| Q3 2024 | 9.08% |
| Q4 2024 | 9.28% |
| Q1 2025 | 9.36% |
| Q2 2025 | 9.64% |
| Q3 2025 | 10.01% |
| Q4 2025 | 10.36% |
| Q1 2026 | 9.94% |
| Q2 2026 | 10.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.23% |
| Q4 2025 | 1.40% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.07% |
| Q1 2025 | 1.17% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.20% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $495.5M | 10.08% | 1.01% | 1.37% | 95.2% |
| Q1 2026 | 65 | $497.4M | 9.94% | 0.90% | 1.33% | 95.5% |
| Q4 2025 | 60 | $483.0M | 10.36% | 1.40% | 1.20% | 99.3% |
| Q3 2025 | 71 | $459.1M | 10.01% | 0.23% | 1.24% | 95.6% |
| Q2 2025 | 63 | $477.6M | 9.64% | 0.86% | 1.19% | 93.1% |
| Q1 2025 | 67 | $479.5M | 9.36% | 0.26% | 1.17% | 94.3% |
| Q4 2024 | 62 | $474.5M | 9.28% | 0.64% | 1.07% | 95.1% |
| Q3 2024 | 62 | $474.4M | 9.08% | 0.61% | 1.03% | 93.8% |
| Q2 2024 | 63 | $464.5M | 8.80% | 0.38% | 1.07% | 94.2% |
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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| UNICO BankBank Mineral Point, MO | 47 out of 100, Below average | $502.6M | 8.9% | 2.55% | vs |
| The Bank of AdvanceBank Advance, MO | 81 out of 100, Strong | $509.9M | 13.0% | 0.75% | vs |
| F & C BankBank Holden, MO | 78 out of 100, Strong | $481.0M | 11.0% | 0.38% | vs |
| The Callaway BankBank Fulton, MO | 67 out of 100, Moderate | $511.5M | 10.1% | 0.78% | vs |
| Connections BankBank Platte City, MO | 78 out of 100, Strong | $516.6M | 9.8% | 0.00% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
Deposit insurance
Is my money safe at People's Bank of Seneca?
Yes. People's Bank of Seneca is an FDIC-insured institution (FDIC certificate #34146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.1% of deposits ($66.8M) 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 10.08%, well 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%).
5 locations
Branches
People's Bank of Seneca lists 5 offices in 3 cities. Most locations:
- Joplin, MO (3)
- Neosho, MO (1)
- Seneca, MO (1)
HMDA 2025
Mortgage lending
In 2025, People's Bank of Seneca reported 200 home-loan applications under HMDA (LEI 549300Q8R70WLHGFLX73): 146 originated ($44,650,000 total), 24 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- People's Bank of Seneca
- Former names
- People's National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34146
- RSSD ID
- 2396592
- Primary regulator
- FDIC
- Holding company
- Pbs Bancshares Inc
- Established
- March 15, 1996
- Headquarters
- 1615 Cherokee Ave, Seneca, MO 64865
- Website
- www.peoplesbankofseneca.com
- Employees
- 53
Quick answers
People's Bank of Seneca: common questions
Is People's Bank of Seneca FDIC insured?
Yes. People's Bank of Seneca is an FDIC-insured institution (FDIC certificate #34146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is People's Bank of Seneca's TellerScore?
65 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 People's Bank of Seneca ever failed?
There is no failure record for FDIC certificate #34146 in the FDIC failed bank list.
How many branches does People's Bank of Seneca have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Seneca
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Service 1 Federal Credit UnionCredit union Muskegon, MI | 89 out of 100, Very strong | $198.5M | 18.6% | 0.42% | vs |
| Joplin Metro Credit UnionCredit union Joplin, MO | 89 out of 100, Very strong | $57.8M | 17.7% | 0.78% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| The Baxter State BankBank Baxter Springs, KS | 84 out of 100, Strong | $25.2M | 19.7% | 1.11% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |