# PEOPLES COMMUNITY BANK
MONTROSS, VA · FDIC certificate 829 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $192.3M | |
| Deposits | $171.8M | |
| Loans and leases | $133.9M | |
| Total equity | $17.6M | |
| Loans / deposits | 76.29% (p49 of band) | 76.58% |
| Liquid assets / assets | 24.70% (p36 of band) | |
| Uninsured deposits / deposits | 9.97% (p24 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.05% (p12 of band) | 11.42% |
| Unrealized securities loss / equity | 0.88% (p56 of band) | 0.65% |
| AOCI / equity | 3.70% (p66 of band) | |
| ROA (annualized) | -0.47% (p4 of band) | 1.01% |
| Net interest margin | 3.55% (p35 of band) | 3.82% |
| Efficiency ratio | 119.12% (p98 of band) | |
| Noncurrent loans | 0.76% (p60 of band) | 0.52% |
| Net charge-offs (annualized) | 0.53% (p96 of band) | |
| Reserve coverage of noncurrent | 281.76% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 68.34% (p88 of band) | |
| Auto loans | $4.5M (3.37% of loans; DQ 3.03%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.5% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 0 |  | capital falling |
| 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 | 1 | charge-offs p90 |  |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 1 | capital falling | construction >100% equity |
| 2016-12 | 1 | construction >100% equity | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | capital falling, charge-offs p90 |  |
| 2017-09 | 0 |  | construction >100% equity, capital falling, charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | losing money, charge-offs p90 |  |
| 2019-03 | 1 | uninsured deposits leaving | losing money, charge-offs p90 |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 4 | deposits shrinking, assets shrinking |  |
| 2019-12 | 4 | losing money, expense ratio p90 | uninsured deposits leaving, assets shrinking |

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

- 2020-01-02 [Local bank starts 2020 with acquisition - Richmond BizSense](https://news.google.com/rss/articles/CBMihwFBVV95cUxPcnM4N3RSNEowMlJXWWIyeGRjXzRVeVBOcVhOeDN3M0d2ZjdfVk1mVVdVdkc3RGVMM0syR25iTGJYRDM0UHlfZEZSQTRfZWJ3bkJ2eTdValpMTWJUbG95QVNWWmQ0eFF1bEFWWlBScGNrRE43ejlaS2p3dFdBVExQdUZDaWlwbnM?oc=5) · Richmond BizSense
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2019-08-14 [C&F Bank to acquire small Northern Neck peer - Richmond BizSense](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQcm82WThEejFiZDVvQXVVR1dBbWVyU09aUGhmQVRjN05MZF9vTzY2dWRKd0lTUUF3YzFFVWdoQ2x4eGptUU9kcEdoM294NzRFV0xPUTdjOU9JV2FQaWgxUG1tYWxseWthTzNiTUJ4WWV0UkZSN01WSHY5MDJjSnFaMlBsZFUyR3dl?oc=5) · Richmond BizSense
- 2022-05-08 [Lewis Synan Obituary (2010) - Fredericksburg, VA - The Free Lance - Star - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZm9iVnJkVlg1NndRM3k4ZEFFVXpfcmxBZkdDbkFRdXd3YnYxbFBGUlRvV3lfalEwOTBUc2ZNN0lYZ0pscG1ZYS1YcE5LVlZVOEptWGRrbGs2VmE5MlR4eTFHYVBScDVUZ29Sck1XVG5kMzlmQW5na0dWTzFZejB0UmF1aU13bHA5VFlncm0xTEluelU?oc=5) · Legacy obituary
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2023-02-18 [James W. Turnbough - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxQNjVVZDJSSXhUakctLUN6R3d4NlJobHpaRVhBQll1X25mcG1DQ2lfNngzTDBkNkhON2hHX25nRXh3VkJQTGkweFlodWxjRl9uaWdwdGtkd2hfTDNwREl1Q1hxRkh5Z0dqREh1NmpWdS1oT3BDNzJsdmJPZFhwN0JFOG9LaGtSSmxNWnA1U0liTzZ1cFE?oc=5) · Legacy obituary
- 2020-08-14 [Blue Ridge Bank in Charlottesville acquires Virginia Commonwealth Bank - Richmond BizSense](https://news.google.com/rss/articles/CBMisAFBVV95cUxPRlptLUhsckZaWERkemc3NTlMTWU0d2ltVGlTNDJYV0tPcXJpNHR6eEhXOXJyQmJKU0JKczVOcnRrQVk4TDk4emhHTHhYZlNSSDQwWmlDdEE1U1lWa19iU0gyMVB0ekJSMWlmVzdWcV9odWVIWnZVVDYxMzdfUVY5NGQ3TlJVZWN5SGg0LTU1bE1aWnBVVXc1Uk1WVWZoM0V3d1h6aC0tTEtoeVBDOVZkNA?oc=5) · Richmond BizSense
- 2022-07-07 [Carl Flemer Obituary (1946 - 2022) - Oak Grove, Va, VA - Richmond Times-Dispatch - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNmpaTVdRYUVEWUpUTzNBWnJWdy12dnc4c2l6c005akE2Zm9Ca2laaFdQbUlrNkZSd1NhblpVUzI2bFdqaURzU2pOS2E2bTYwLWphVk15ZHBOTUk2MHFHNW1ZVklDMDJRZ3lYdy1rVHFzMWM3RXdhR3ZCYkk2WjJNa2ZrS1hnOExjd09uN2dVNmsxQQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=829 (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/61.json (key "829", 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