# PEOPLES COMMUNITY BANK
GREENVILLE, MO · FDIC certificate 22394 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $735.2M | |
| Deposits | $599.8M | |
| Loans and leases | $499.4M | |
| Total equity | $131.3M | |
| Loans / deposits | 82.26% (p51 of band) | 82.04% |
| Liquid assets / assets | 28.05% (p59 of band) | |
| Uninsured deposits / deposits | 28.99% (p62 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.54% (p96 of band) | 10.81% |
| Unrealized securities loss / equity | -4.18% (p67 of band) | -8.10% |
| AOCI / equity | 0.10% (p84 of band) | |
| ROA (annualized) | 2.61% (p96 of band) | 1.28% |
| Net interest margin | 4.65% (p86 of band) | 3.91% |
| Efficiency ratio | 44.88% (p10 of band) | |
| Noncurrent loans | 1.23% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 96.76% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 30.41% (p37 of band) | |
| Auto loans | $13.8M (2.76% of loans; DQ 2.64%, NCO 0.00%) | |
| Loans to nondepository financials | $14.1M (11% of equity) (p97 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 120 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 | reserve under noncurrent | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | noncurrent p90 |  |
| 2018-03 | 1 |  | noncurrent p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 1 |  | noncurrent p90, capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | reserve under noncurrent |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | capital falling, reserve under noncurrent |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-02-07 [Naylor, Mo. man accused of robbing bank - KFVS12](https://news.google.com/rss/articles/CBMikwFBVV95cUxOS3Noc0NzT3UzRTFSZGk1bnZQeWhWd1VaNW9QX1RGSjFNY09MUDJhR3hwa21qYVREZ1ZIcmo4VWpBV1RCVVFNZzI1dlJMU25UT20yWDh4aVpBZmxMYWJVRmQ3OFp5bDU3VFdZdllHbkNfa3RDTjRBZ2k3VV9yaHp2YkNFVlJweU9xWXFvbjNqbkVwdEnSAacBQVVfeXFMTzZhZ3N3Vkk5Ym1ZWGhOQTZ5NVdnckhrWDR0QUVHS05HdXhxNDV5SDdPWlViTDVJbEI1OGowYnZrYzV6TE1mci1VZUd0emJkY0pOTjBPaVR1ZXlIZ2dPYTdLODIxRDNJamxSc3hCeWZsNU14RXFWTGJtMTZna3FSQmRhVndKM3RvTkltNzk5eU41djlDSEl1eE5sQjRRS1Q4cWpobTVpVFk?oc=5) · KFVS12
- 2026-09-08 [September 2026 Newsletter - waynecojournalbanner.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxONjVmME9qRU5sVU9lS29tVUl3N3BWeFo0VXRTWTJuN2RKU3I1cXFBSDVXdTBnZjVSaDUwMklTc1BlRGtYZDZ3emdheExfaFY3MlJGaFEzcGppY3k3em5Ha1VnTlB1MmY4ZU45amF4bldyVXAzc3psaXJCNlN5UHNSZF9MZw?oc=5) · waynecojournalbanner.com
- 2022-01-17 [Rod Cunningham Obituary Jan 17, 2022 - Gorman-Scharpf Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9SMDRUNlZ2TzMwRHJYSVNPZkpYWXUySl95ODQ0WXYwVVhSRkVXVDVWVk5nRW13YkpzUjZaQlRIWmFGM0NJVExuei1PdEVXUVdNaE5ldkd4OXJWRFNXSm1PRFNCYVhsQQ?oc=5) · Gorman-Scharpf Funeral Home
- 2020-08-28 [Elizabeth Ann Pendergraft Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiigFBVV95cUxOek1kb1BkSFVuakdHbmU5djQwV0VoaWRYX3duOVBMZDZNak1hYWowX1hmcnJHQlF3QU5NYlZZRjF4anJEYndBbUJNQlVuclVuc0lPSmFvZ1YyUG9MUVFmOFdwOU52c2lFM1E5ZzgtdEJibjVYZzNXQ1ZSeGhGVEYtOThPUGJVS3pKWEE?oc=5) · Northwest Arkansas Democrat-Gazette
- 2024-08-12 [Dalton Joshua Dale Mitchell Obituary (2024) - Qulin, MO - White-Sanders Funeral Home - Fisk - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOWXE2enZiMTFXdTN3N200WGtoWXd3aFA2NDZfV0dfbVVIVXFIQ0hIYVN3bjR2QkRYcXluZFYyVVZBLTFYT1hvY2s2UlF6c0tOMnZCSnM2RE1Fb3dQSDFWX3dqYzU1U1cxRnYwekZoUVN5MVBpd2lzNW9RWnVKVEU3VkYyWWhGSTRsR3hB?oc=5) · legacy.com
- 2014-02-11 [RIVER RADIO NEWS FEBRUARY 11, 2014 - Today's Talk - KWOC](https://news.google.com/rss/articles/CBMigAFBVV95cUxORUFCbUM0em1iUHpSOW0yTkp3QXg5MHVLUUEtWExHdVU4a2RTZU9lXzVNaTMyaXg3T1lDSkJpNjhfSktuWTNLSU9SblIyemprR1BYU1VtZ1hHMi1Wc29NVHJHbzh6Mm9KaG40U2dLR3pSU0hlSGowYkxlS2o2YVFHZA?oc=5) · Today's Talk - KWOC
- 2023-02-18 [James W. Turnbough - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQNjVVZDJSSXhUakctLUN6R3d4NlJobHpaRVhBQll1X25mcG1DQ2lfNngzTDBkNkhON2hHX25nRXh3VkJQTGkweFlodWxjRl9uaWdwdGtkd2hfTDNwREl1Q1hxRkh5Z0dqREh1NmpWdS1oT3BDNzJsdmJPZFhwN0JFOG9LaGtSSmxNWnA1U0liTzZ1cFE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22394 (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/58.json (key "22394", 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.

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