TellerScore

Headquartered in Kahoka, Missouri, Peoples Bank of Wyaconda, Missouri is a state-chartered bank with $148.5M in total assets and $131.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1914.

Based on its Q2 2026 filing, Peoples Bank of Wyaconda, Missouri scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 60th. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is capital cushion (56/100; 10.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.56%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 80.5% · 13.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.10%

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 4 points (74 → 78), mostly because the loan quality component improved by 9 points.

TellerScore
727578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202475
Q4 202472
Q1 202574
Q2 202574
Q3 202576
Q4 202576
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%7.78%10.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.85%
Q3 202410.18%
Q4 202410.35%
Q1 202510.10%
Q2 202510.35%
Q3 202510.45%
Q4 202510.31%
Q1 202610.32%
Q2 202610.56%
Noncurrent loans
0.00%0.17%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.01%
Q4 20240.33%
Q1 20250.29%
Q2 20250.29%
Q3 20250.16%
Q4 20250.11%
Q1 20260.10%
Q2 20260.02%
Return on assets
0.82%1.12%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.88%
Q4 20240.92%
Q1 20251.16%
Q2 20251.13%
Q3 20251.18%
Q4 20251.21%
Q1 20261.42%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$148.5M10.56%0.02%1.34%80.5%
Q1 202678$145.0M10.32%0.10%1.42%78.7%
Q4 202576$143.0M10.31%0.11%1.21%76.9%
Q3 202576$139.4M10.45%0.16%1.18%76.3%
Q2 202574$141.2M10.35%0.29%1.13%72.9%
Q1 202574$141.3M10.10%0.29%1.16%72.7%
Q4 202472$139.5M10.35%0.33%0.92%71.0%
Q3 202475$133.6M10.18%0.01%0.88%72.7%
Q2 202473$136.0M9.85%0.00%0.82%69.8%

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 ratio10.56%
42nd
Total risk-based capital0.00%
24th
Problem loans0.02%
84th
Net charge-offs-0.11%
98th
Return on assets1.34%
56th
Net interest margin3.98%
52nd
Efficiency ratio53.3%
76th
Loans to deposits80.5%
48th
Uninsured deposits13.0%
87th
Loan-loss reserves1.83%
91st
Texas ratio0.1%
86th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Bank Co.Bank Altenburg, MO67 out of 100, Moderate$147.7M8.4%0.06%vs
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
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
Grand Missouri BankBank Bolivar, MO81 out of 100, Strong$151.1M13.7%0.22%vs

Deposit insurance

Is my money safe at Peoples Bank of Wyaconda, Missouri?

Yes. Peoples Bank of Wyaconda, Missouri is an FDIC-insured institution (FDIC certificate #15415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.0% of deposits ($17.0M) 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 10.56%, 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%).

Check how much of your own balance is covered

3 locations

Branches

Peoples Bank of Wyaconda, Missouri lists 3 offices in 3 cities. Most locations:

  • Canton, MO (1)
  • Kahoka, MO (1)
  • Wyaconda, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Peoples Bank of Wyaconda, Missouri
Type
State-chartered bank
FDIC certificate #
15415
RSSD ID
223452
Primary regulator
FDIC
Holding company
Clark County Bancshares Inc
Established
December 17, 1914
Headquarters
310 S Johnson St, Kahoka, MO 63445
Employees
27

Quick answers

Peoples Bank of Wyaconda, Missouri: common questions

Is Peoples Bank of Wyaconda, Missouri FDIC insured?

Yes. Peoples Bank of Wyaconda, Missouri is an FDIC-insured institution (FDIC certificate #15415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Bank of Wyaconda, Missouri's TellerScore?

78 out of 100 (Strong), 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 of Wyaconda, Missouri ever failed?

There is no failure record for FDIC certificate #15415 in the FDIC failed bank list.

How many branches does Peoples Bank of Wyaconda, Missouri have?

3 offices as of the latest FDIC data.

Nearby

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