People's Bank of Seneca
Total assets
$495.5M
▲ +3.7% YoY
Deposits
$440.9M
▲ +2.6% YoY
Loans
$419.7M
▲ +5.0% YoY
Offices
5
PBS BANCSHARES INC
ROA (annualized)
1.37%
peers 1.24%
ROE (annualized)
14.09%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 14.1% | 11.9% | +2.2 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
Profile
- Established
- 1996
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PBS BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1615 Cherokee Ave, Seneca, MO, 64865
- County
- Newton
- Metro area
- Joplin, MO
- Offices
- 5
- FDIC cert #
- 34146
- RSSD ID
- 2396592
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $495.5M | $440.9M | $419.7M | $49.3M | $3.4M | 1.37% | 3.73% | 0.94% |
| Q1 2026 | $497.4M | $433.7M | $414.3M | $47.5M | $1.6M | 1.33% | 3.62% | 0.76% |
| Q4 2025 | $483.0M | $410.8M | $408.0M | $46.5M | $5.7M | 1.20% | 3.58% | 1.20% |
| Q3 2025 | $459.1M | $408.7M | $390.9M | $45.0M | $4.4M | 1.24% | 3.60% | 0.20% |
| Q2 2025 | $477.6M | $429.6M | $399.7M | $44.0M | $2.8M | 1.19% | 3.51% | 0.75% |
| Q1 2025 | $479.5M | $422.5M | $398.2M | $42.3M | $1.4M | 1.17% | 3.46% | 0.22% |
| Q4 2024 | $474.5M | $416.8M | $396.3M | $41.1M | $4.9M | 1.07% | 3.24% | 0.54% |
| Q3 2024 | $474.4M | $415.8M | $390.2M | $40.2M | $3.5M | 1.03% | 3.21% | 0.52% |
Loan mix (Q2 2026): real estate $381.6M · commercial $36.5M · consumer $7.4M · securities $19.3M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | People's Bank of Seneca | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.96% | 38th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 62.9% | 13th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | People's Bank of Seneca | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | People's Bank of Seneca | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | People's Bank of Seneca | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | People's Bank of Seneca | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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