# PEOPLES BANK
CUBA, MO · FDIC certificate 12230 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $248.7M | |
| Deposits | $227.1M | |
| Loans and leases | $172.4M | |
| Total equity | $20.5M | |
| Loans / deposits | 75.06% (p52 of band) | 73.59% |
| Liquid assets / assets | 29.80% (p43 of band) | |
| Uninsured deposits / deposits | 26.90% (p74 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.96% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -36.59% (p10 of band) | -6.57% |
| AOCI / equity | -0.98% (p28 of band) | |
| ROA (annualized) | 1.75% (p78 of band) | 1.17% |
| Net interest margin | 4.04% (p56 of band) | 3.93% |
| Efficiency ratio | 62.22% (p41 of band) | |
| Noncurrent loans | 0.23% (p43 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p73 of band) | |
| Reserve coverage of noncurrent | 495.89% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 60.27% (p84 of band) | |
| Auto loans | $2.5M (1.45% of loans; DQ 0.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 | capital falling | reserve under noncurrent |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Peoples Bank secures $60,000 grant for Jamestown ball field - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTjBmS2hZeHlIb0pIb3JJUlVSZ0FRdHVSRmRWRjhORlh5cUUyTkhJdWhYZFZ6eEJQRUhXVFdkc19mTXMyWXA1UXZRbmt3VGstREJuUV9zSFU5N0s3VUFXOUlTeTRRNjROX3l5WXd0QVhjVHlVNkR5TjBkbVlfWEljRlFWbjFQdkE3a1VJbG9lXzFGOXdvRGc?oc=5) · Jefferson City News Tribune
- 2026-07-21 [First Financial Bank acquiring 116-year-old Peoples Bank - nwitimes.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQNldNeUx0TUtRRXJOTGhJaGlQeENPWUZPYVc0Y1RvV3dMZWNxU3k5ZEY0aW15VzFFZHZONVZNdXU2QkpqMlpXSHJCT2lQc0dHZnpZdFgyTS1jZ3hrSTNmbGZMRzNQNVY4SWlsQVJlY1hTd2JFei0tRWVqdGdPZkZRUk1ObUZuYlV1?oc=5) · nwitimes.com
- 2026-08-28 [Peoples Bank & Trust Reaffirms Four Decades of Local Banking - EIN News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPc1FxRGl4WXhwT3lmdVBUR184S0F6ckl5eVN0NkJKUWNuZkNEV2tQYm9GVHlJVk03Nkd2VGxGWXJjXzBpdHQ5MU1rRXBZcUdFek9PaUZMS2dRczRiT2RrWlhoS290Rl9GTnNJbWFZNi0zSGJIZVE3bVVtOHVwSG5oYXRjU3l4TmRJVzg0V2JZYmxvN2RBT3JtYVRkZDhhWko3X0E?oc=5) · EIN News
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-24 [Peoples Bank Foundation donates $10K to domestic violence shelter amid federal funding crisis - WTAP](https://news.google.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?oc=5) · WTAP
- 2025-11-12 [Peoples Bank Celebrates Jo Ann Queen’s 25th Anniversary with the Bank - Three Rivers Publishing](https://news.google.com/rss/articles/CBMivgFBVV95cUxNOTZBbWJWM2Z2OXYzbmp3dTloLU8xaER2c1Jhd2xqc01NVFo2eW5tTFpNQnRjLUItR0xCcUh0ei1LQTdEdF91VmlfeVppWHBvYnRiUFJwRTdIeEotdEljMHNvUnlUTU5ZS3lkMWNXdDlTRG14cU1vYlptQlJ5NXgwWVdacGNfNDdkY0ZrRlFyTUF0d08wRUNDNHZmV0ZqZS01eUNHOGs2RzJxSU5OU1RVR1NuQWlJWHB3aWZZY1dR?oc=5) · Three Rivers Publishing
- 2026-01-04 [Cheyenne Brewster named Peoples Bank 2025 Employee of the Year - theparisnews.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOaWVEUUwyY0toWkhZVUx2Q0g3eThGem92a1FSOVFWbHp0aUZ2SVdlem9RSHN2T1BNSlZtVU1WSTJldGZnLTB5UWJLbnM2WHd0WFAzcThPY3dSUDJoMmppWGJQSkJSN2VGbFR0ZlduZVppZmdyaG9rbFo2d0k1a2ljLUwyeDIyQ2hDbFQ3RnBMdk9XaEMwVWRoVEFrWjI1SjhvYU5zOXVYRmdyZnAyNnp3OWdpaWo4ajZDY0hsNzRkYkhWQVVTUXRnMWtfVWJrRW43YXhobGUzMkp6Zw?oc=5) · theparisnews.com
- 2025-11-12 [The top 20: These are the 2025 Best Banks to Work For - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxPd3BwbUFiYnpleDVsalJSNG5TSkU3X0JJVF9LUFFEMHIxN3ZmOFdXdmljQ0xGRi0wUHdaUGw2eUVtOUxmVWpLYnVrR21UaWlVRnN4b3dkWVdBbWR3cjlwNXlvU2J0ck5QbFdsMFEyMHphRUZmOHJ3bG16aVhkWnhKZWxHWUtqUjRsdm5RN1RodUU2dw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12230 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "12230", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide