Peoples Community Bank Mortgage Rates, Fees & Info

Greenville, MO

LEI: 549300TAWK59H74PXZ55

Tax ID: 43-1088433

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Peoples Community Bank is a smaller bank specializing in Home Purchase and Refi loans. Peoples Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Poplar Bluff, Springfield, Cape Girardeau, Fayetteville, and Branson among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Peoples Community Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    409

    Origination Dollar Volume (All Markets)

    $35,935,000

    Employee count

    136

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 188 $15,140,000 $80,532 $0 0.00%
    Poplar Bluff, MO (FHA|USDA|VA) 161 $13,725,000 $85,248 $0 0.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 37 $5,025,000 $135,811 $0 0.00%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 10 $740,000 $74,000 $0 0.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $430,000 $215,000 $0 0.00%
    Branson, MO (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
    Kennett, MO (FHA|USDA|VA) 4 $230,000 $57,500 $0 0.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $130,000 $65,000 $0 0.00%
    Farmington, MO (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    West Plains, MO (FHA|USDA|VA) 2 $80,000 $40,000 $0 0.00%
    Sikeston, MO (FHA|USDA|VA) 1 $35,000 $35,000 $0 0.00%
    Peoples Community Bank's top markets include Poplar Bluff, Springfield, Cape Girardeau, Fayetteville, and Branson among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 409 $35,935,000 $87,861 $0 0.00%

    For 2019, Peoples Community Bank's most frequently originated type of loan was Conventional, with 409 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 248 $22,790,000 $91,895 $0 0.00%
    Refi 116 $11,700,000 $100,862 $0 0.00%
    Home Improvement 29 $865,000 $29,828 $0 0.00%
    Other 16 $580,000 $36,250 $0 0.00%

    For 2019, Peoples Community Bank's most frequently cited loan purpose was Home Purchase, with 248 originations. The 2nd most popular reason was Refi, with 116 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 409 $35,935,000 $87,861 $0 0.00%

    For 2019, Peoples Community Bank's most frequently cited loan duration was Other, with 409 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 293 $15,165,000 $51,758 $0 0.00%
    $100k-200k 84 $11,590,000 $137,976 $0 0.00%
    $200k-400k 29 $7,605,000 $262,241 $0 0.00%
    $400k-600k 2 $860,000 $430,000 $0 0.00%
    $600k-1MM 1 $715,000 $715,000 $0 0.00%

    2019 saw Peoples Community Bank place emphasis on $100,000 or less loans with 293 originations, totaling $15,165,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 164 $9,790,000 $59,695 $0 0.00%
    $50k-75k 88 $7,230,000 $82,159 $0 0.00%
    $100k-150k 42 $4,800,000 $114,286 $0 0.00%
    $75k-100k 42 $4,370,000 $104,048 $0 0.00%
    $150k-250k 16 $2,440,000 $152,500 $0 0.00%
    $250k+ 5 $725,000 $145,000 $0 0.00%

    Peoples Community Bank lent most frequently to those with incomes in the $50k or less range, with 164 originations. The second most popular income band? $50k-75k, with 88 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 409 $35,935,000 $87,861 $0 0.00%

    Peoples Community Bank lent most frequently to those with DTI ratios of Exempt%, with 409 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 358 $29,800,000 $83,240 $0 0.00%
    Not applicable 41 $5,485,000 $133,780 $0 0.00%
    Black 8 $540,000 $67,500 $0 0.00%
    Asian 1 $75,000 $75,000 $0 0.00%
    Not provided 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    84.21%

    Peoples Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    74.82%

    Peoples Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 409 $35,935,000 $87,861

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $2,150,000 $215,000
    Single Family (1-4 Units):Manufactured 63 $3,395,000 $53,889
    Single Family (1-4 Units):Site-Built 336 $30,390,000 $90,446

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 3 21.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 4 28.6%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Closing on a mortgage 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 14.3%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Trouble during payment process 2 14.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Community Bank 101 State Highway 34 East Marble Hill, MO 63764 Full Service B&M $21,814
    Peoples Community Bank 1401 North Main St Piedmont, MO 63957 Full Service B&M $51,545
    Peoples Community Bank 200 East 2nd Street Annapolis, MO 63620 Full Service B&M $9,187
    Peoples Community Bank 33710 State Highway 112 Seligman, MO 65745 Full Service B&M $20,652
    Peoples Community Bank 3529 South Westwood Boulevard Poplar Bluff, MO 63901 Full Service B&M $31,098
    Peoples Community Bank 422 South Highway 51 Puxico, MO 63960 Full Service B&M $20,476
    Peoples Community Bank 600 Main Street Cabool, MO 65689 Full Service B&M $57,835
    Peoples Community Bank 630 W Hwy 60 Republic, MO 65738 Full Service B&M $17,345
    Peoples Community Bank 700 Hwy 21 North Ellington, MO 63638 Full Service B&M $42,669
    Peoples Community Bank 803 Pineville Rd Washburn, MO 65772 Full Service B&M $14,495
    Peoples Community Bank Highway D And T Wappapello, MO 63966 Full Service B&M $10,339
    Peoples Community Bank Highways 142 And 160 Doniphan, MO 63935 Full Service B&M $48,729
    Peoples Community Bank Kelsey Avenue And Highway 142 Naylor, MO 63953 Full Service B&M $10,261
    Peoples Community Bank St Hwy 67 & Sycamore St Greenville, MO 63944 Full Service B&M $21,983
    Peoples Community Bank State Highway 72 And 4th Street Bunker, MO 63629 Full Service B&M $18,475

    For 2019, Peoples Community Bank had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $26,250
    Net interest income $21,426
    Total noninterest income $5,271
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $2,158
    Trading account gains and fees $0
    Additional Noninterest Income $3,113
    Pre-tax net operating income $14,731
    Securities gains (or losses, -) $32
    Income before extraordinary items $14,763
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,763
    Minority interest net income $0
    Net income $14,763
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,731

    Peoples Community Bank's gross interest income from loans was $26,250,000.
    Peoples Community Bank's net interest income from loans was $21,426,000.
    Peoples Community Bank's fee based income from loans was $2,158,000.
    Peoples Community Bank's net income from loans was $14,763,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,824
    Provision for credit losses $1,011
    Total noninterest expense $10,955
    Salaries and employee benefits $5,872
    Premises and equipment expense $1,098
    Additional noninterest expense $3,985
    Applicable income taxes $0
    Net charge-offs $524
    Cash dividends $6,500

    Peoples Community Bank's interest expense for loans was $4,824,000.
    Peoples Community Bank's payroll and benefits expense were $5,872,000.
    Peoples Community Bank's property, plant and equipment expenses $1,098,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $385,782
    Deposits held in domestic offices $385,782
    Deposits by Individuals, partnerships, and corporations $331,492
    Deposits by U.S. Government $266
    Deposits by States and political subdivisions in the U.S. $53,780
    Deposits by Commercial banks and other depository institutions in U.S. $245
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $155,931
    Demand deposits $57,485
    Nontransaction accounts $229,852
    Money market deposit accounts (MMDAs) $39,474
    Other savings deposits (excluding MMDAs) $43,625
    Total time deposits $146,751
    Total time and savings deposits $328,298
    Noninterest-bearing deposits $41,862
    Interest-bearing deposits $343,920
    Retail deposits $348,078
    IRAs and Keogh plan accounts $18,143
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $489,241
    Cash & Balances due from depository institutions $12,604
    Interest-bearing balances $17
    Total securities $106,779
    Federal funds sold & reverse repurchase $1,204
    Net loans and leases $340,506
    Loan and leases loss allowance $4,188
    Trading account assets $0
    Bank premises and fixed assets $6,515
    Other real estate owned $493
    Goodwill and other intangibles $3,111
    All other assets $18,029

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $489,241
    Total Liabilities $398,029
    Total deposits $385,782
    Interest-bearing deposits $343,920
    Deposits held in domestic offices $385,782
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $6,700
    Trading liabilities $0
    Other borrowed funds $5,000
    Subordinated debt $0
    All other liabilities $547

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $340,506
    Loan and leases loss allowance $4,188
    Total loans and leases (domestic) $344,694
    All real estate loans $289,191
    Real estate loans in domestic offices $289,191
    Construction and development loans $11,995
    Residential 1-4 family construction $8,708
    Other construction, all land development and other land $3,287
    Loans secured by nonfarm nonresidential properties $75,782
    Nonfarm nonresidential secured by owner-occupied properties $5,467
    Commercial real estate & other non-farm, non-residential $70,315
    Multifamily residential real estate $1,201
    1-4 family residential loans $174,210
    Farmland loans $26,003
    Loans held in foreign offices $0
    Farm loans $4,059
    Commercial and industrial loans $18,000
    To non-U.S. addressees $0
    Loans to individuals $31,060
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $23,904
    Other loans to individuals $7,156
    All other loans & leases $2,384
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $29
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Peoples Community Bank had $340,506,000 of loans outstanding in 2019. $289,191,000 of loans were in real estate loans. $11,995,000 of loans were in development loans. $1,201,000 of loans were in multifamily mortgage loans. $174,210,000 of loans were in 1-4 family mortgage loans. $4,059,000 of loans were in farm loans. $0 of loans were in credit card loans. $23,904,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 523 $46,189 $88,315
    Nonfarm, nonresidential loans - <$100k 342 $11,805 $34,518
    Nonfarm, nonresidential loans - $100-250k 115 $13,999 $121,730
    Nonfarm, nonresidential loans - $250k-1MM 66 $20,385 $308,864
    Commercial & Industrial, US addressed loans - <$1MM 382 $16,269 $42,589
    Commercial & Industrial, US addressed loans - <$100k 335 $7,536 $22,496
    Commercial & Industrial, US addressed loans - $100-250k 32 $2,941 $91,906
    Commercial & Industrial, US addressed loans - $250k-1MM 15 $5,792 $386,133
    Farmland loans - <$1MM 125 $12,052 $96,416
    Farmland loans - <$100k 81 $3,438 $42,444
    Farmland loans - $100-250k 31 $4,138 $133,484
    Farmland loans - $250k-1MM 13 $4,476 $344,308
    Agriculture operations loans - <$1MM 36 $4,059 $112,750
    Agriculture operations loans - <$100k 23 $2,048 $89,043
    Agriculture operations loans - $100-250k 9 $875 $97,222
    Agriculture operations loans - $250k-1MM 4 $1,136 $284,000