People's Bank of Seneca: how it compares with its peers
Against 74 MO banks with half to twice its assets, People's Bank of Seneca's strongest measure in Q2 2026 is assets per employee ($9.3M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (3.73% vs. 4.17%).
| Measure | People's Bank of Seneca | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.60% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.73% | 4.17% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.22% | 57.26% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $6.6M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.19% | 87.37% | Context |
What it means for lending operations
Its efficiency ratio of 48.22% is better than the 57.26% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- UNICO Bank Mineral Point, MO · $503M
- The Bank of Advance Advance, MO · $510M
- F & C Bank Holden, MO · $481M
- The Callaway Bank Fulton, MO · $512M
- Connections Bank Platte City, MO · $517M
- The Missouri Bank Warrenton, MO · $461M
Questions about People's Bank of Seneca
How big is People's Bank of Seneca?
People's Bank of Seneca, established in 1996, is headquartered in Seneca, MO. It reported $496M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is People's Bank of Seneca's return on assets?
1.37% annualized in Q2 2026, against a 1.60% median for 74 MO banks with half to twice its assets, ahead of 34% of them.
What is People's Bank of Seneca's efficiency ratio?
48.22% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 57.26%, and lower is better.
Is People's Bank of Seneca growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits grew 2.6%.
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.