Side-by-side · Q2 2026 data
Peoples Community Bank vs Southern Bank
Metric by metric
| Measure | Peoples Community Bank | Southern Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 59 | 79 (stronger) |
| Earnings | 100 (stronger) | 81 |
| Funding & liquidity | 62 (stronger) | 58 |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 84th | 58th |
| Total assets | $735.2M | $5.2B |
| Deposits / shares | $599.8M | $4.4B |
| Capital ratio | 18.54% (stronger) | 10.45% |
| Problem loans | 1.23% | 0.63% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.22% |
| Return on assets | 2.61% (stronger) | 1.53% |
| Loans ÷ deposits | 82.3% (stronger) | 98.1% |
| Uninsured deposits | 29.0% | 18.9% (stronger) |
| Offices | 16 | 64 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | 5.8% |
Peoples Community Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Peoples Community Bank leads on 5 and Southern Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Poplar Bluff, MO
- Doniphan, MO