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Peoples Bank
Cuba, MO · FDIC Certificate #12230 · Chartered 06/2
Total assets
$248.70M
Total deposits
$227.09M
Total equity
$20.50M
Net loans
$170.44M
Branches (offices)
5
Net income (YTD)
$2.19M
Rank: #2,720 of 4,213 U.S. banks by assets · #111 of 190 in Missouri. Assets changed 0.0% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.75% |
| Return on equity | 21.74% |
| Net interest margin (YTD) | 4.04% |
| Equity to assets | 8.24% |
| Tier 1 leverage ratio | 10.96% |
| Uninsured deposits (share of deposits) | 26.9% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 75.1% |
| Real estate loans (share of loans) | 92.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $157.88M | 92.6% | |
| Commercial & industrial | $6.87M | 4.0% | |
| Consumer / individual | $4.24M | 2.5% | |
| Construction & development | $12.35M | 7.2% | |
| Agricultural | $2.00M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $259.38M | $241.90M | $1.50M | $16.55M |
| Jun 2023 | $248.00M | $231.01M | $1.91M | $16.28M |
| Jun 2024 | $247.47M | $224.80M | $1.44M | $16.82M |
| Jun 2025 | $248.62M | $229.69M | $1.91M | $17.68M |
| Jun 2026 | $248.70M | $227.09M | $2.19M | $20.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $227.09M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $227.09M.
Similar-sized banks
First State Bank Of The Ozarks ($248.90M) · Currency Bank ($248.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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