# PEOPLES BANK OF SENECA
SENECA, MO · FDIC certificate 34146 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $495.5M | |
| Deposits | $440.9M | |
| Loans and leases | $425.6M | |
| Total equity | $49.3M | |
| Loans / deposits | 95.19% (p82 of band) | 82.04% |
| Liquid assets / assets | 10.64% (p6 of band) | |
| Uninsured deposits / deposits | 15.14% (p13 of band) | 25.97% |
| Brokered deposits | 19.10% | |
| Wholesale funding | 19.10% (p93 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.08% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -4.55% (p65 of band) | -8.10% |
| AOCI / equity | 0.01% (p81 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 3.73% (p40 of band) | 3.91% |
| Efficiency ratio | 48.22% (p14 of band) | |
| Noncurrent loans | 1.01% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 136.24% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 141.03% (p96 of band) | |
| Auto loans | $3.9M (0.92% of loans; DQ 2.13%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 0 |  | charge-offs p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2013-03 | 1 | deposits shrinking |  |
| 2013-06 | 1 | capital falling | deposits shrinking |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 | charge-offs p90 | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | reserve under noncurrent |  |
| 2017-03 | 1 |  | reserve under noncurrent |
| 2017-06 | 1 | construction >100% equity | charge-offs p90 |
| 2017-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 1 |  | construction >100% equity |
| 2018-06 | 1 | construction >100% equity | charge-offs p90 |
| 2018-09 | 0 |  | construction >100% equity |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 2 | brokered >10%, wholesale funding >15% | charge-offs p90 |
| 2020-03 | 2 | capital falling | brokered >10% |
| 2020-06 | 1 |  | wholesale funding >15% |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | uninsured deposits >50%, run vulnerability, construction >100% equity |  |
| 2021-06 | 3 | capital falling | run vulnerability |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 3 | run vulnerability | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | brokered >10%, wholesale funding >15% | uninsured deposits >50%, run vulnerability |
| 2024-03 | 3 | charge-offs p90, uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2024-06 | 5 | brokered >10%, wholesale funding >15%, capital falling | charge-offs p90 |
| 2024-09 | 3 |  | wholesale funding >15%, capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | uninsured deposits leaving |
| 2025-06 | 3 | wholesale funding >15% |  |
| 2025-09 | 5 | liquid assets <10%, uninsured deposits leaving |  |
| 2025-12 | 5 | reserve under noncurrent | liquid assets <10% |
| 2026-03 | 4 |  | reserve under noncurrent |
| 2026-06 | 3 |  | uninsured deposits leaving |

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

- 2019-09-30 [American Financial Exchange announces People’s Bank of Seneca as the first Native-American minority-owned bank to join exchange - ictnews.org](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNYzByVTZTQ1RwN1RWUHRzaVN6NGowSkJSSkp0eHg0YmM5YXRveFdmQktIM3dIYUtMay1Tak1Eam5sM29zVExCNXpDQWNKWDdvQlk2SnhoaVVqWkNIWGVPMEVvTnQ2ekZUVHlrV0xES0ctTzU2eHhSVWlZcm05NWxPVzRaMExVVmg1RzV0SEdPT0g4eUZPRzhlQ24tX3RTZWVrM20xOUYwUjBsNmF3WF81REhmeUdMSHA3bXNHNlFQamUxSWVHS0gzNERLN0RvSHBjWmU3QngwRUxnSWtMc0dhY0hLWkxoNFpRTnNaYjhEakphOUFT?oc=5) · ictnews.org
- 2020-09-28 [Billy Joe “Bill” Bigheart Obituary - Osage News](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBmQXhpdFVIclBGekFBS2hreHZna1FMQXJ2LW9VNGJoV0haZ2t4YV8xQUVhb1AxT2lwLVFFSi00Y1prNVNfR2FJcTFWZEwwM192Qlhqb1F0SjZTY0s1UGt3TGlidVZ6UdIBZkFVX3lxTFBmQXhpdFVIclBGekFBS2hreHZna1FMQXJ2LW9VNGJoV0haZ2t4YV8xQUVhb1AxT2lwLVFFSi00Y1prNVNfR2FJcTFWZEwwM192Qlhqb1F0SjZTY0s1UGt3TGlidVZ6UQ?oc=5) · Osage News
- 2023-11-28 [Jerry (Gid) Don Hilburn Obituary (2023) - Seneca, MO - Campbell-Biddlecome Funeral Home - Seneca - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOYmZLS3lEbTdCYml6T3RGR2tvb01fNVZYMEJ5dFFoRDdza3d0NFU4Mk0wVmlpc0hqbmVCejFLc3JwVFhBQS1Lb09jaE55NWxadHdSenhoQlhXd042UFltMmlzVDNPTURkbXhSQmoyVVVtTEhEekctR1RjVEJlcFdEa09wNVVzN0E?oc=5) · legacy.com
- 2025-12-15 [SHS wrestling program sets sights on state podium with experienced roster - Neosho Daily News](https://news.google.com/rss/articles/CBMinwFBVV95cUxOdDJrUU1pQU9YWk9DWENJV0lxaDUtMTZpdUplaUhwTUxGQVQyWkZpX0tJNzhjOWZob0JleTVIUEQ1U2M4X2kwNmxHaXNqWWxKVE5PT25SdjU1a1Z1MjMtdkk2M2dsVVVMRTlNREh3bzlZLWxIRVZYanItOTZsWHZLZGswdHJJcXI3N3NDMnVWOHFtNm0xNFdKcDRJbVdIZzg?oc=5) · Neosho Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34146 (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/34.json (key "34146", 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