Peoples Bank Co.: how it compares with its peers
Against 85 MO banks with half to twice its assets, Peoples Bank Co.'s strongest measure in Q2 2026 is assets per employee ($6.4M vs. a $6.0M peer median). Its weakest relative measure is return on assets (0.73% vs. 1.24%).
| Measure | Peoples Bank Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.73% | 1.24% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 4.01% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.82% | 61.67% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.0M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.61% | 78.95% | Context |
What it means for lending operations
Its efficiency ratio of 74.82% is above the 61.67% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Independent Bank Aurora, MO · $148M
- Bank of Salem Salem, MO · $147M
- Peoples Bank of Wyaconda, Missouri Kahoka, MO · $148M
- Security Bank of Southwest Missouri Cassville, MO · $147M
- Independent Farmers Bank Maysville, MO · $147M
- Jonesburg State Bank Jonesburg, MO · $146M
Questions about Peoples Bank Co.
How big is Peoples Bank Co.?
Peoples Bank Co., established in 1910, is headquartered in Altenburg, MO. It reported $148M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Peoples Bank Co.'s return on assets?
0.73% annualized in Q2 2026, against a 1.24% median for 85 MO banks with half to twice its assets, ahead of 14% of them.
What is Peoples Bank Co.'s efficiency ratio?
74.82% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 61.67%, and lower is better.
Is Peoples Bank Co. growing its loans?
Net loans grew 26.6% over the year to Q2 2026, while deposits grew 30.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.