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People'S Bank Of Seneca
Seneca, MO · FDIC Certificate #34146 · Chartered 03/1
Total assets
$495.51M
Total deposits
$440.94M
Total equity
$49.31M
Net loans
$419.73M
Branches (offices)
5
Net income (YTD)
$3.37M
Rank: #1,797 of 4,213 U.S. banks by assets · #72 of 190 in Missouri. Assets changed 3.7% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 14.09% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 9.95% |
| Tier 1 leverage ratio | 10.08% |
| Uninsured deposits (share of deposits) | 15.1% |
| Noncurrent loans (share of loans) | 1.01% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 95.2% |
| Real estate loans (share of loans) | 90.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $381.59M | 90.9% | |
| Commercial & industrial | $36.47M | 8.7% | |
| Consumer / individual | $7.42M | 1.8% | |
| Construction & development | $69.55M | 16.6% | |
| Agricultural | $100.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $379.08M | $343.42M | $2.44M | $27.15M |
| Jun 2023 | $412.42M | $353.83M | $3.41M | $32.49M |
| Jun 2024 | $464.48M | $407.88M | $2.40M | $38.25M |
| Jun 2025 | $477.61M | $429.56M | $2.84M | $43.97M |
| Jun 2026 | $495.51M | $440.94M | $3.37M | $49.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $440.94M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $440.94M.
Similar-sized banks
American Commerce Bank, National Association ($495.67M) · River City Bank, Inc. ($494.86M)
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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