TellerScore

Peoples Community Bank SB of Monticello, Indiana is a savings association headquartered in Monticello, Indiana, in business for about 127 years. At the end of Q2 2026 it reported $42.7M in total assets and $19.5M in deposits, with 1 office.

Based on its Q2 2026 filing, Peoples Community Bank SB of Monticello, Indiana scores 57/100, which we describe as moderate. That is higher than only 16% of 546 banks with under $100 million in assets. Among 88 banks headquartered in Indiana, it ranks 71st. Its strongest component is capital cushion (100/100; 32.00%), and its lowest is loan quality (5/100; 2.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 32.00%
Loan quality5/100
Noncurrent loans ÷ total loans: 2.84%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 204.0% · 0.3% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.12%

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 16 points (73 → 57), mostly because the loan quality component weakened by 70 points.

TellerScore
546474Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202466
Q4 202470
Q1 202571
Q2 202573
Q3 202573
Q4 202554
Q1 202661
Q2 202657
Tier 1 leverage ratio
5.00%19.15%33.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202433.30%
Q3 202433.26%
Q4 202432.76%
Q1 202532.29%
Q2 202531.98%
Q3 202531.96%
Q4 202531.73%
Q1 202631.38%
Q2 202632.00%
Noncurrent loans
0.63%1.97%3.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.63%
Q3 20241.70%
Q4 20241.29%
Q1 20250.99%
Q2 20250.74%
Q3 20250.87%
Q4 20253.31%
Q1 20262.76%
Q2 20262.84%
Return on assets
0.37%0.78%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.59%
Q4 20240.57%
Q1 20250.39%
Q2 20250.46%
Q3 20250.54%
Q4 20250.55%
Q1 20261.18%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$42.7M32.00%2.84%0.77%204.0%
Q1 202661$42.8M31.38%2.76%1.18%198.6%
Q4 202554$43.6M31.73%3.31%0.55%195.5%
Q3 202573$43.2M31.96%0.87%0.54%191.8%
Q2 202573$41.8M31.98%0.74%0.46%194.8%
Q1 202571$41.1M32.29%0.99%0.39%192.0%
Q4 202470$40.6M32.76%1.29%0.57%198.1%
Q3 202466$39.7M33.26%1.70%0.59%197.8%
Q2 202474$40.2M33.30%0.63%0.37%214.8%

546 peers · Under $100 million in assets

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 ratio32.00%
94th
Total risk-based capital0.00%
27th
Problem loans2.84%
13th
Net charge-offs0.00%
58th
Return on assets0.77%
39th
Net interest margin4.11%
61st
Efficiency ratio71.7%
48th
Loans to deposits204.0%
0th
Uninsured deposits0.3%
99th
Loan-loss reserves0.90%
24th
Texas ratio8.1%
23rd

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Generations Community BankBank Indianapolis, IN76 out of 100, Strong$30.9M86.2%0.00%vs
The Fairmount State BankBank Fairmount, IN37 out of 100, Low$57.0M11.7%6.37%vs
Everence Trust CompanyBank Goshen, IN94 out of 100, Very strong$16.2M96.8%0.00%vs
Boonville Federal Savings BankBank Boonville, IN55 out of 100, Moderate$71.5M8.8%0.89%vs
Scottsburg Building and Loan AssociationBank Scottsburg, IN82 out of 100, Strong$76.9M18.9%0.18%vs
First Federal Savings Bank of WashingtonBank Washington, IN49 out of 100, Below average$94.4M11.0%2.06%vs

Deposit insurance

Is my money safe at Peoples Community Bank SB of Monticello, Indiana?

Yes. Peoples Community Bank SB of Monticello, Indiana is an FDIC-insured institution (FDIC certificate #30065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 0.3% of deposits ($55K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 32.00%, 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

1 location

Branches

Peoples Community Bank SB of Monticello, Indiana lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Peoples Community Bank SB of Monticello, Indiana
Former names
Peoples Savings and Loan Association of Monticello Indiana
Type
Savings association
FDIC certificate #
30065
RSSD ID
654579
Primary regulator
FDIC
Established
January 1, 1899
Headquarters
126 Constitution Plz, Monticello, IN 47960
Employees
5

Quick answers

Peoples Community Bank SB of Monticello, Indiana: common questions

Is Peoples Community Bank SB of Monticello, Indiana FDIC insured?

Yes. Peoples Community Bank SB of Monticello, Indiana is an FDIC-insured institution (FDIC certificate #30065). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Community Bank SB of Monticello, Indiana's TellerScore?

57 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 Community Bank SB of Monticello, Indiana ever failed?

There is no failure record for FDIC certificate #30065 in the FDIC failed bank list.

How many branches does Peoples Community Bank SB of Monticello, Indiana have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Monticello

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance BankBank Francesville, IN88 out of 100, Very strong$454.8M12.4%0.01%vs
Lakes Federal Credit UnionCredit union Monticello, IN83 out of 100, Strong$28.0M15.2%0.92%vs
Bank of WolcottBank Wolcott, IN81 out of 100, Strong$280.3M12.0%0.43%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs
Purdue Federal Credit UnionCredit union West Lafayette, IN75 out of 100, Strong$2.1B11.2%0.17%vs
Kentland BankBank Kentland, IN75 out of 100, Strong$419.4M12.5%0.56%vs