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Peoples Community Bank Sb Of Monticello, Indiana
Monticello, IN · FDIC Certificate #30065 · Chartered 01/0
Total assets
$42.72M
Total deposits
$19.45M
Total equity
$13.66M
Net loans
$39.68M
Branches (offices)
1
Net income (YTD)
$166.00K
Rank: #4,083 of 4,213 U.S. banks by assets · #85 of 87 in Indiana. Assets changed 2.1% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 2.44% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 31.97% |
| Tier 1 leverage ratio | 32.00% |
| Uninsured deposits (share of deposits) | 0.3% |
| Noncurrent loans (share of loans) | 2.84% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 204.0% |
| Real estate loans (share of loans) | 94.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $37.33M | 94.1% | |
| Commercial & industrial | $1.58M | 4.0% | |
| Consumer / individual | $1.19M | 3.0% | |
| Construction & development | $866.00K | 2.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $35.64M | $21.42M | $141.00K | $12.90M |
| Jun 2023 | $38.88M | $18.15M | $183.00K | $12.78M |
| Jun 2024 | $40.23M | $16.93M | $74.00K | $13.10M |
| Jun 2025 | $41.85M | $19.74M | $95.00K | $13.35M |
| Jun 2026 | $42.72M | $19.45M | $166.00K | $13.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $19.45M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $19.45M.
Similar-sized banks
Farmers State Bank ($42.80M) · Defiance State Bank ($42.62M)
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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