Peoples Community Bank Mortgage Rates, Fees & Info

Greenville, MO

LEI: 549300TAWK59H74PXZ55

Tax ID: 43-1088433

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

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, Kennett, and Crestview among others. We have data for 13 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    496

    Origination Dollar Volume (All Markets)

    $55,090,000

    Employee count

    144

    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) 218 $22,780,000 $104,495 $0 0.00%
    Outside of Metro Areas 192 $18,310,000 $95,365 $0 0.00%
    SPRINGFIELD, MO (FHA|USDA|VA) 48 $9,610,000 $200,208 $0 0.00%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 20 $2,080,000 $104,000 $0 0.00%
    Kennett, MO (FHA|USDA|VA) 7 $715,000 $102,143 $0 0.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $585,000 $585,000 $0 0.00%
    Ottawa, KS (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
    West Plains, MO (FHA|USDA|VA) 2 $180,000 $90,000 $0 0.00%
    Branson, MO (FHA|USDA|VA) 2 $170,000 $85,000 $0 0.00%
    Farmington, MO (FHA|USDA|VA) 2 $80,000 $40,000 $0 0.00%
    JOPLIN, MO (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    Sikeston, MO (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
    Peoples Community Bank's top markets include Poplar Bluff, Springfield, Cape Girardeau, Kennett, and Crestview among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Florida (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 496 $55,090,000 $111,069 $0 0.00%

    For 2021, Peoples Community Bank's most frequently originated type of loan was Conventional, with 496 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 328 $37,010,000 $112,835 $0 0.00%
    Refi 121 $15,785,000 $130,455 $0 0.00%
    Home Improvement 33 $1,585,000 $48,030 $0 0.00%
    Other 14 $710,000 $50,714 $0 0.00%

    For 2021, Peoples Community Bank's most frequently cited loan purpose was Home Purchase, with 328 originations. The 2nd most popular reason was Refi, with 121 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 496 $55,090,000 $111,069 $0 0.00%

    For 2021, Peoples Community Bank's most frequently cited loan duration was Other, with 496 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 300 $15,710,000 $52,367 $0 0.00%
    $100k-200k 130 $18,370,000 $141,308 $0 0.00%
    $200k-400k 51 $13,685,000 $268,333 $0 0.00%
    $400k-600k 13 $5,905,000 $454,231 $0 0.00%
    $600k-1MM 2 $1,420,000 $710,000 $0 0.00%

    2021 saw Peoples Community Bank place emphasis on $100,000 or less loans with 300 originations, totaling $15,710,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 177 $12,085,000 $68,277 $0 0.00%
    $50k-75k 104 $10,890,000 $104,712 $0 0.00%
    $100k-150k 67 $8,925,000 $133,209 $0 0.00%
    $75k-100k 53 $7,905,000 $149,151 $0 0.00%
    $150k-250k 28 $4,250,000 $151,786 $0 0.00%
    $250k+ 7 $2,075,000 $296,429 $0 0.00%

    Peoples Community Bank lent most frequently to those with incomes in the $50k or less range, with 177 originations. The second most popular income band? $50k-75k, with 104 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 496 $55,090,000 $111,069 $0 0.00%

    Peoples Community Bank lent most frequently to those with DTI ratios of Exempt%, with 496 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 446 $48,130,000 $107,915 $0 0.00%
    Not applicable 44 $6,270,000 $142,500 $0 0.00%
    Black 4 $520,000 $130,000 $0 0.00%
    Native Hawaiian or Islander 1 $105,000 $105,000 $0 0.00%
    Asian 1 $65,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    89.17%

    Peoples Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.44%

    Peoples Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 496 $55,090,000 $111,069

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    496 $55,090,000 $111,069

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Closing on a mortgage 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Struggling to pay mortgage 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 4 30.8%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Home equity loan or line of credit (HELOC) Trouble during payment process 2 15.4%
    PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION Other type of mortgage Trouble during payment process 3 23.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Community Bank 1420 Hillcrest Plaza Doniphan, MO 63935 Full Service B&M $65,504
    Peoples Community Bank 101 State Highway 34 East Marble Hill, MO 63764 Full Service B&M $28,268
    Peoples Community Bank 101 Sycamore St Greenville, MO 63944 Full Service B&M $26,220
    Peoples Community Bank 134 Hwy 72 Bunker, MO 63629 Full Service B&M $19,737
    Peoples Community Bank 1401 North Main St Piedmont, MO 63957 Full Service B&M $59,292
    Peoples Community Bank 15090 State Highway 142 E Naylor, MO 63953 Full Service B&M $12,352
    Peoples Community Bank 1625 S Elliott Ave Aurora, MO 65605 Full Service B&M $920
    Peoples Community Bank 200 East 2nd Street Annapolis, MO 63620 Full Service B&M $14,233
    Peoples Community Bank 33710 State Highway 112 Seligman, MO 65745 Full Service B&M $24,364
    Peoples Community Bank 3529 South Westwood Boulevard Poplar Bluff, MO 63901 Full Service B&M $31,907
    Peoples Community Bank 422 South Highway 51 Puxico, MO 63960 Full Service B&M $26,851
    Peoples Community Bank 600 Main Street Cabool, MO 65689 Full Service B&M $70,163
    Peoples Community Bank 630 W Hwy 60 Republic, MO 65738 Full Service B&M $32,801
    Peoples Community Bank 70 Civic Center Rd Wappapello, MO 63966 Full Service B&M $15,302
    Peoples Community Bank 700 Hwy 21 North Ellington, MO 63638 Full Service B&M $59,051
    Peoples Community Bank 803 Pineville Rd Washburn, MO 65772 Full Service B&M $14,651

    For 2021, Peoples Community Bank had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $29,648
    Net interest income $26,990
    Total noninterest income $4,477
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,906
    Trading account gains and fees $0
    Additional Noninterest Income $2,571
    Pre-tax net operating income $18,655
    Securities gains (or losses, -) $0
    Income before extraordinary items $18,655
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $18,655
    Minority interest net income $0
    Net income $18,655
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $18,655

    Peoples Community Bank's gross interest income from loans was $29,648,000.
    Peoples Community Bank's net interest income from loans was $26,990,000.
    Peoples Community Bank's fee based income from loans was $1,906,000.
    Peoples Community Bank's net income from loans was $18,655,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,658
    Provision for credit losses $540
    Total noninterest expense $12,272
    Salaries and employee benefits $6,739
    Premises and equipment expense $1,312
    Additional noninterest expense $4,221
    Applicable income taxes $0
    Net charge-offs $175
    Cash dividends $7,680

    Peoples Community Bank's interest expense for loans was $2,658,000.
    Peoples Community Bank's payroll and benefits expense were $6,739,000.
    Peoples Community Bank's property, plant and equipment expenses $1,312,000.

    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 3.0%
    All other family 0.0%
    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 $509,485
    Deposits held in domestic offices $509,485
    Deposits by Individuals, partnerships, and corporations $440,923
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $68,562
    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 $237,341
    Demand deposits $105,266
    Nontransaction accounts $272,144
    Money market deposit accounts (MMDAs) $68,923
    Other savings deposits (excluding MMDAs) $64,650
    Total time deposits $138,572
    Total time and savings deposits $404,219
    Noninterest-bearing deposits $68,010
    Interest-bearing deposits $441,475
    Retail deposits $469,512
    IRAs and Keogh plan accounts $17,751
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $620,687
    Cash & Balances due from depository institutions $39,508
    Interest-bearing balances $29,025
    Total securities $148,693
    Federal funds sold & reverse repurchase $2,553
    Net loans and leases $396,644
    Loan and leases loss allowance $5,361
    Trading account assets $0
    Bank premises and fixed assets $6,542
    Other real estate owned $25
    Goodwill and other intangibles $2,915
    All other assets $23,807

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $620,687
    Total Liabilities $509,718
    Total deposits $509,485
    Interest-bearing deposits $441,475
    Deposits held in domestic offices $509,485
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $233

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $396,644
    Loan and leases loss allowance $5,361
    Total loans and leases (domestic) $402,005
    All real estate loans $321,668
    Real estate loans in domestic offices $321,668
    Construction and development loans $22,113
    Residential 1-4 family construction $16,252
    Other construction, all land development and other land $5,861
    Loans secured by nonfarm nonresidential properties $69,199
    Nonfarm nonresidential secured by owner-occupied properties $2,503
    Commercial real estate & other non-farm, non-residential $66,696
    Multifamily residential real estate $5,353
    1-4 family residential loans $198,892
    Farmland loans $26,111
    Loans held in foreign offices $0
    Farm loans $2,383
    Commercial and industrial loans $34,056
    To non-U.S. addressees $0
    Loans to individuals $39,960
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $31,239
    Other loans to individuals $8,721
    All other loans & leases $3,939
    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 $530
    Non 1-4 family restructured loans & leases $456
    Total loans and leases (foreign) $0

    Peoples Community Bank had $396,644,000 of loans outstanding in 2021. $321,668,000 of loans were in real estate loans. $22,113,000 of loans were in development loans. $5,353,000 of loans were in multifamily mortgage loans. $198,892,000 of loans were in 1-4 family mortgage loans. $2,383,000 of loans were in farm loans. $0 of loans were in credit card loans. $31,239,000 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 512 $39,444 $77,039
    Nonfarm, nonresidential loans - <$100k 308 $1,280 $4,156
    Nonfarm, nonresidential loans - $100-250k 124 $15,028 $121,194
    Nonfarm, nonresidential loans - $250k-1MM 80 $23,136 $289,200
    Commercial & Industrial, US addressed loans - <$1MM 493 $23,639 $47,949
    Commercial & Industrial, US addressed loans - <$100k 424 $9,981 $23,540
    Commercial & Industrial, US addressed loans - $100-250k 49 $5,725 $116,837
    Commercial & Industrial, US addressed loans - $250k-1MM 20 $7,933 $396,650
    Farmland loans - <$1MM 137 $13,973 $101,993
    Farmland loans - <$100k 74 $2,762 $37,324
    Farmland loans - $100-250k 45 $5,684 $126,311
    Farmland loans - $250k-1MM 18 $5,527 $307,056
    Agriculture operations loans - <$1MM 76 $2,379 $31,303
    Agriculture operations loans - <$100k 67 $1,329 $19,836
    Agriculture operations loans - $100-250k 6 $447 $74,500
    Agriculture operations loans - $250k-1MM 3 $603 $201,000