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, Branson, and Fayetteville among others. We have data for 12 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

    462

    Origination Dollar Volume (All Markets)

    $53,740,000

    Employee count

    138

    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
    Poplar Bluff, MO (FHA|USDA|VA) 192 $20,090,000 $104,635 $0 0.00%
    Outside of Metro Areas 180 $17,550,000 $97,500 $0 0.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 46 $10,420,000 $226,522 $0 0.00%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 21 $1,925,000 $91,667 $0 0.00%
    Branson, MO (FHA|USDA|VA) 3 $845,000 $281,667 $0 0.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $670,000 $335,000 $0 0.00%
    West Plains, MO (FHA|USDA|VA) 4 $600,000 $150,000 $0 0.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $555,000 $555,000 $0 0.00%
    Sikeston, MO (FHA|USDA|VA) 3 $435,000 $145,000 $0 0.00%
    Kennett, MO (FHA|USDA|VA) 6 $300,000 $50,000 $0 0.00%
    Farmington, MO (FHA|USDA|VA) 3 $235,000 $78,333 $0 0.00%
    Mountain Home, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    Peoples Community Bank's top markets include Poplar Bluff, Springfield, Cape Girardeau, Branson, and Fayetteville among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 462 $53,740,000 $116,320 $0 0.00%

    For 2020, Peoples Community Bank's most frequently originated type of loan was Conventional, with 462 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 335 $38,315,000 $114,373 $0 0.00%
    Refi 93 $13,815,000 $148,548 $0 0.00%
    Home Improvement 22 $1,060,000 $48,182 $0 0.00%
    Other 12 $550,000 $45,833 $0 0.00%

    For 2020, Peoples Community Bank's most frequently cited loan purpose was Home Purchase, with 335 originations. The 2nd most popular reason was Refi, with 93 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 462 $53,740,000 $116,320 $0 0.00%

    For 2020, Peoples Community Bank's most frequently cited loan duration was Other, with 462 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 294 $15,130,000 $51,463 $0 0.00%
    $100k-200k 104 $14,540,000 $139,808 $0 0.00%
    $200k-400k 48 $12,250,000 $255,208 $0 0.00%
    $400k-600k 8 $4,040,000 $505,000 $0 0.00%
    $600k-1MM 5 $3,425,000 $685,000 $0 0.00%
    $1MM+ 3 $4,355,000 $1,451,667 $0 0.00%

    2020 saw Peoples Community Bank place emphasis on $100,000 or less loans with 294 originations, totaling $15,130,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 170 $11,350,000 $66,765 $0 0.00%
    $50k-75k 99 $8,625,000 $87,121 $0 0.00%
    $75k-100k 56 $6,300,000 $112,500 $0 0.00%
    $100k-150k 45 $6,515,000 $144,778 $0 0.00%
    $150k-250k 24 $4,390,000 $182,917 $0 0.00%
    $250k+ 7 $1,555,000 $222,143 $0 0.00%

    Peoples Community Bank lent most frequently to those with incomes in the $50k or less range, with 170 originations. The second most popular income band? $50k-75k, with 99 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 462 $53,740,000 $116,320 $0 0.00%

    Peoples Community Bank lent most frequently to those with DTI ratios of Exempt%, with 462 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 413 $42,025,000 $101,755 $0 0.00%
    Not applicable 42 $10,810,000 $257,381 $0 0.00%
    Asian 1 $485,000 $485,000 $0 0.00%
    Black 4 $340,000 $85,000 $0 0.00%
    Not provided 1 $45,000 $45,000 $0 0.00%
    American Indian 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    84.87%

    Peoples Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    76.19%

    Peoples Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 462 $53,740,000 $116,320

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $105,000 $105,000
    Multifamily:Site-Built 18 $9,340,000 $518,889
    Single Family (1-4 Units):Manufactured 81 $4,745,000 $58,580
    Single Family (1-4 Units):Site-Built 362 $39,550,000 $109,254

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Peoples Home Equity, Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    Peoples Home Equity, Inc. VA mortgage Trouble during payment process 1 50.0%

    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 $27,450
    Peoples Community Bank 101 Sycamore St Greenville, MO 63944 Full Service B&M $23,748
    Peoples Community Bank 1401 North Main St Piedmont, MO 63957 Full Service B&M $62,299
    Peoples Community Bank 15090 State Highway 142 E Naylor, MO 63953 Full Service B&M $10,091
    Peoples Community Bank 200 East 2nd Street Annapolis, MO 63620 Full Service B&M $11,382
    Peoples Community Bank 33710 State Highway 112 Seligman, MO 65745 Full Service B&M $22,145
    Peoples Community Bank 3529 South Westwood Boulevard Poplar Bluff, MO 63901 Full Service B&M $29,219
    Peoples Community Bank 422 South Highway 51 Puxico, MO 63960 Full Service B&M $23,115
    Peoples Community Bank 600 Main Street Cabool, MO 65689 Full Service B&M $61,128
    Peoples Community Bank 630 W Hwy 60 Republic, MO 65738 Full Service B&M $22,294
    Peoples Community Bank 700 Hwy 21 North Ellington, MO 63638 Full Service B&M $49,065
    Peoples Community Bank 803 Pineville Rd Washburn, MO 65772 Full Service B&M $12,245
    Peoples Community Bank Highway D And T Wappapello, MO 63966 Full Service B&M $12,607
    Peoples Community Bank Highways 142 And 160 Doniphan, MO 63935 Full Service B&M $53,448
    Peoples Community Bank State Highway 72 And 4th Street Bunker, MO 63629 Full Service B&M $18,253

    For 2020, Peoples Community Bank had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $27,027
    Net interest income $23,239
    Total noninterest income $4,713
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,874
    Trading account gains and fees $0
    Additional Noninterest Income $2,839
    Pre-tax net operating income $15,360
    Securities gains (or losses, -) $0
    Income before extraordinary items $15,360
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,360
    Minority interest net income $0
    Net income $15,360
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,360

    Peoples Community Bank's gross interest income from loans was $27,027,000.
    Peoples Community Bank's net interest income from loans was $23,239,000.
    Peoples Community Bank's fee based income from loans was $1,874,000.
    Peoples Community Bank's net income from loans was $15,360,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,788
    Provision for credit losses $1,325
    Total noninterest expense $11,267
    Salaries and employee benefits $6,297
    Premises and equipment expense $1,159
    Additional noninterest expense $3,811
    Applicable income taxes $0
    Net charge-offs $517
    Cash dividends $7,375

    Peoples Community Bank's interest expense for loans was $3,788,000.
    Peoples Community Bank's payroll and benefits expense were $6,297,000.
    Peoples Community Bank's property, plant and equipment expenses $1,159,000.

    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 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    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 $450,479
    Deposits held in domestic offices $450,479
    Deposits by Individuals, partnerships, and corporations $391,039
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $59,440
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $201,299
    Demand deposits $75,440
    Nontransaction accounts $249,180
    Money market deposit accounts (MMDAs) $54,316
    Other savings deposits (excluding MMDAs) $51,479
    Total time deposits $143,386
    Total time and savings deposits $375,039
    Noninterest-bearing deposits $61,594
    Interest-bearing deposits $388,885
    Retail deposits $409,581
    IRAs and Keogh plan accounts $18,713
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $553,302
    Cash & Balances due from depository institutions $27,885
    Interest-bearing balances $13,395
    Total securities $103,851
    Federal funds sold & reverse repurchase $5,093
    Net loans and leases $387,960
    Loan and leases loss allowance $4,996
    Trading account assets $0
    Bank premises and fixed assets $6,826
    Other real estate owned $115
    Goodwill and other intangibles $3,013
    All other assets $18,559

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $553,302
    Total Liabilities $452,804
    Total deposits $450,479
    Interest-bearing deposits $388,885
    Deposits held in domestic offices $450,479
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $2,000
    Subordinated debt $0
    All other liabilities $325

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $387,960
    Loan and leases loss allowance $4,996
    Total loans and leases (domestic) $392,956
    All real estate loans $316,324
    Real estate loans in domestic offices $316,324
    Construction and development loans $15,982
    Residential 1-4 family construction $12,116
    Other construction, all land development and other land $3,866
    Loans secured by nonfarm nonresidential properties $77,426
    Nonfarm nonresidential secured by owner-occupied properties $3,644
    Commercial real estate & other non-farm, non-residential $73,782
    Multifamily residential real estate $4,512
    1-4 family residential loans $193,760
    Farmland loans $24,644
    Loans held in foreign offices $0
    Farm loans $3,135
    Commercial and industrial loans $35,536
    To non-U.S. addressees $0
    Loans to individuals $34,902
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $27,724
    Other loans to individuals $7,178
    All other loans & leases $3,059
    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 $779
    Non 1-4 family restructured loans & leases $688
    Total loans and leases (foreign) $0

    Peoples Community Bank had $387,960,000 of loans outstanding in 2020. $316,324,000 of loans were in real estate loans. $15,982,000 of loans were in development loans. $4,512,000 of loans were in multifamily mortgage loans. $193,760,000 of loans were in 1-4 family mortgage loans. $3,135,000 of loans were in farm loans. $0 of loans were in credit card loans. $27,724,000 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 544 $49,396 $90,801
    Nonfarm, nonresidential loans - <$100k 331 $10,677 $32,257
    Nonfarm, nonresidential loans - $100-250k 135 $15,613 $115,652
    Nonfarm, nonresidential loans - $250k-1MM 78 $23,106 $296,231
    Commercial & Industrial, US addressed loans - <$1MM 665 $26,909 $40,465
    Commercial & Industrial, US addressed loans - <$100k 590 $11,745 $19,907
    Commercial & Industrial, US addressed loans - $100-250k 52 $5,499 $105,750
    Commercial & Industrial, US addressed loans - $250k-1MM 23 $9,665 $420,217
    Farmland loans - <$1MM 138 $13,086 $94,826
    Farmland loans - <$100k 81 $3,269 $40,358
    Farmland loans - $100-250k 40 $4,905 $122,625
    Farmland loans - $250k-1MM 17 $4,912 $288,941
    Agriculture operations loans - <$1MM 97 $2,452 $25,278
    Agriculture operations loans - <$100k 85 $1,425 $16,765
    Agriculture operations loans - $100-250k 8 $72 $9,000
    Agriculture operations loans - $250k-1MM 4 $955 $238,750