🏦Bank Scorer

PEOPLE'S BANK OF SENECA

SENECA, MO · Supervised by FDIC

Est. 1996FDIC #34,146RSSD: FDIC-34146
Part ofPBS BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.33%

Institution Profile

FDIC BankFind

Address

1615 Cherokee Ave, SENECA, MO

County

Newton County

Established

March 15, 1996

Total Assets

$497M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$497M

Total Deposits

$434M

Net Loans

$414M

Net Income

$2M

ROA

1.33%

ROE

13.83%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate17.65%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$430M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202418764.17%17.65%
202328571.23%11.58%
202236877.17%7.07%
202139983.71%5.01%
202042580.24%7.29%
201929177.66%8.25%
201830578.69%9.84%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2004

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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