TellerScore

Headquartered in Greenville, Missouri, Peoples Community Bank is a state-chartered bank with $735.2M in total assets and $599.8M in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1977.

Based on its Q2 2026 filing, Peoples Community Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 31st. Its strongest component is capital cushion (100/100; 18.54%), and its lowest is loan quality (59/100; 1.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 18.54%
Loan quality59/100
Noncurrent loans ÷ total loans: 1.23%
Earnings100/100
Return on assets (annualized): 2.61%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 82.3% · 29.0% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.55%

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 (79 → 83), mostly because the loan quality component improved by 19 points.

TellerScore
798386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202486
Q4 202485
Q1 202582
Q2 202579
Q3 202580
Q4 202581
Q1 202680
Q2 202683
Tier 1 leverage ratio
5.00%12.28%19.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.83%
Q3 202417.88%
Q4 202418.45%
Q1 202518.43%
Q2 202517.85%
Q3 202518.72%
Q4 202519.16%
Q1 202619.56%
Q2 202618.54%
Noncurrent loans
0.94%1.36%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.08%
Q3 20240.94%
Q4 20241.06%
Q1 20251.16%
Q2 20251.79%
Q3 20251.56%
Q4 20251.50%
Q1 20261.59%
Q2 20261.23%
Return on assets
1.66%2.25%2.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.24%
Q3 20242.30%
Q4 20242.27%
Q1 20251.66%
Q2 20252.19%
Q3 20252.43%
Q4 20252.39%
Q1 20262.84%
Q2 20262.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$735.2M18.54%1.23%2.61%82.3%
Q1 202680$723.5M19.56%1.59%2.84%83.3%
Q4 202581$707.4M19.16%1.50%2.39%84.1%
Q3 202580$704.8M18.72%1.56%2.43%82.0%
Q2 202579$706.4M17.85%1.79%2.19%78.4%
Q1 202582$712.0M18.43%1.16%1.66%77.5%
Q4 202485$693.4M18.45%1.06%2.27%78.9%
Q3 202486$688.2M17.88%0.94%2.30%80.3%
Q2 202485$692.0M16.83%1.08%2.24%77.1%

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 ratio18.54%
95th
Total risk-based capital0.00%
24th
Problem loans1.23%
23rd
Net charge-offs-0.02%
91st
Return on assets2.61%
96th
Net interest margin4.65%
84th
Efficiency ratio44.9%
91st
Loans to deposits82.3%
45th
Uninsured deposits29.0%
31st
Loan-loss reserves1.19%
50th
Texas ratio4.6%
38th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
HomeBankBank Palmyra, MO74 out of 100, Strong$733.3M9.6%0.29%vs
First Midwest Bank of the OzarksBank Poplar Bluff, MO69 out of 100, Moderate$733.2M10.8%1.00%vs
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs
West Plains Bank and Trust CompanyBank West Plains, MO70 out of 100, Strong$767.9M8.3%0.45%vs
MRV BanksBank Sainte Genevieve, MO43 out of 100, Below average$803.1M11.5%5.72%vs
Bank of OdessaBank Odessa, MO72 out of 100, Strong$667.1M13.7%2.12%vs

Deposit insurance

Is my money safe at Peoples Community Bank?

Yes. Peoples Community Bank is an FDIC-insured institution (FDIC certificate #22394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.0% of deposits ($173.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.54%, 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

16 locations

Branches

Peoples Community Bank lists 16 offices in 16 cities. Most locations:

  • Annapolis, MO (1)
  • Aurora, MO (1)
  • Bunker, MO (1)
  • Cabool, MO (1)
  • Doniphan, MO (1)
  • Ellington, MO (1)
  • Greenville, MO (1)
  • Marble Hill, MO (1)
  • Naylor, MO (1)
  • Piedmont, MO (1)
  • Poplar Bluff, MO (1)
  • Puxico, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples Community Bank reported 302 home-loan applications under HMDA (LEI 549300TAWK59H74PXZ55): 239 originated ($37,725,000 total), 22 denied, and 38 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.3%, 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
Peoples Community Bank
Former names
State Bank of Greenville; Peoples Bank of Wayne County
Type
State-chartered bank
FDIC certificate #
22394
RSSD ID
784159
Primary regulator
FDIC
Holding company
Greenville Bancshares Inc
Established
January 3, 1977
Headquarters
101 Sycamore St, Greenville, MO 63944
Employees
120

Quick answers

Peoples Community Bank: common questions

Is Peoples Community Bank FDIC insured?

Yes. Peoples Community Bank is an FDIC-insured institution (FDIC certificate #22394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Community Bank's TellerScore?

83 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 Community Bank ever failed?

There is no failure record for FDIC certificate #22394 in the FDIC failed bank list.

How many branches does Peoples Community Bank have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Greenville

InstitutionScoreAssetsCapitalProblem loansCompare
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
First Midwest Bank of the OzarksBank Poplar Bluff, MO69 out of 100, Moderate$733.2M10.8%1.00%vs
Bank of GrandinBank Grandin, MO64 out of 100, Moderate$241.0M14.7%2.88%vs