Peoples Community Bank

What Peoples Community Bank does

Peoples Community Bank is a privately held Missouri state-chartered community bank and a subsidiary of the holding company Greenville Bancshares, Inc. Founded in 1977 and headquartered in Greenville, Missouri, the bank operates 16 full-service branches across southern Missouri, serving individuals, families, small businesses, agricultural producers (including dairy farmers), and first-time homebuyers. Its service footprint spans locations with continuous community presence dating to 1905 (Seligman) and 1913 (Cabool), with more recent de novo additions in Republic and Annapolis (2014) and Aurora (August 2020). The bank is led by Todd Wojciechowski as President, CEO, and Senior Lending Officer.

The bank offers a comprehensive suite of traditional retail and commercial banking products: multiple checking tiers (Regular, Super Now, Money Market, Business), savings products (Regular, Little Peoples children's savings, Christmas Club), certificates of deposit, Traditional and Roth IRAs, and HSAs. Lending products span residential real-estate, home improvement, agricultural, consumer, commercial and industrial, and construction and development loans. Digital delivery includes a PCB Mobile Banking app for iOS (v3.34.1) and Android (v3.34.0), a web-based online banking portal (my.peoplescommunitybank.com), eStatements, and Apple Pay and Google Pay tokenization. Security is delivered via two-factor authentication (text, phone call, or Authy). The bank is FDIC-insured and designated as an Equal Housing Lender.

Revenue is generated primarily through net interest income on the lending book, supplemented by deposit-related fees (monthly service charges on checking and savings accounts, excessive withdrawal and excess-debit fees, wire and ATM fees). Distribution is overwhelmingly physical, with 16 branches serving as the primary acquisition and servicing channel, complemented by digital self-service for existing customers and content marketing (financial blog, 50+ online calculators) for top-of-funnel engagement. Pricing across deposit accounts follows a balance-tiered subscription model, with monthly service charges waived above stated minimums; loan pricing is described as competitive with local decision-making and low closing costs.

Name

Peoples Community Bank

Legal name

Peoples Community Bank

Website

https://peoplescommunitybank.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

11–50 employees

Short description

Peoples Community Bank is a privately held FDIC-insured community bank operating 16 branches across southern Missouri. Founded in 1977 as a subsidiary of Greenville Bancshares, Inc., it serves individuals, families, small businesses, and agricultural borrowers with deposit, lending, and digital banking products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Credit Unions (52213)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Retail banking services
• Consumer lending
• Agricultural loans
• Community banking
• Small business lending

Headquarters

HQ city

Annapolis

HQ country

United States

HQ region

North America

Offices16 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Lending: Primary revenue from interest earned on various loan products including residential real-estate loans, agricultural loans, consumer loans, commercial and industrial loans, and construction/development loans. The bank offers competitive rates with fast approval and local decision-making.
2. Checking Account Fees: Monthly service charges on checking accounts: Regular Checking ($6/month if balance below $100), Super Now Checking ($10/month if balance below $1,000). Free notary services included.
3. Savings Account Fees: Service charges on savings accounts including $1/month if balance falls below $50 minimum, excessive withdrawal fees of $1 for each withdrawal over 6 per month.
4. Money Market Checking Fees: $10 fee for each debit transaction over 6 per month on Money Market Checking accounts.
5. Other Banking Services: Revenue from services such as wire transfers, ATM fees, and other banking service charges not explicitly detailed on the website.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Peoples Community Bank is a community bank that provides personal and business banking products through 16 full-service branch locations across southern Missouri. Its offerings include checking, savings, CDs, IRAs, HSAs, and a range of loan products covering residential real estate, agriculture, consumer, commercial/industrial, and construction lending, complemented by digital banking services such as online and mobile banking and digital wallet support.

Product overview

Peoples Community Bank offers a comprehensive suite of traditional banking products and digital services. Its core banking products include multiple checking account types (Regular, Business, Super Now, Money Market), savings accounts (Regular, Little Peoples, Christmas Club), and certificate products (CDs, Traditional IRAs, Roth IRAs, HSAs). The bank also provides loan products spanning residential real estate, agricultural, consumer, commercial, and construction lending. Digital banking services include online banking, mobile banking apps (iOS/Android), eStatements, and an extensive suite of financial planning calculators covering loans, mortgages, retirement, savings, and tax planning. The product portfolio is designed to serve individuals, families, and businesses across 16 southern Missouri locations with a focus on personal service.

Differentiator

Problem solved

Functional benefit

Products and services

• Regular Checking Basic personal checking account with unlimited checks, ATM withdrawals, and debit card payments, plus free notary services. $100 minimum to open.
• Business Checking Business checking account designed to help businesses manage their finances, targeted at business owners needing reliable account management.
• Super Now Checking Interest-earning personal checking account with unlimited transactions and free notary services. $1,000 minimum to open; $10 monthly fee waived when balance is maintained.
• Money Market Checking Interest-earning checking account with limited check-writing (6 withdrawals per month). $2,500 minimum to open; $10 fee per debit transaction over 6 per month.
• Regular Savings Personal savings account with quarterly interest crediting. $50 minimum to open; $1 monthly fee if balance falls below $50.
• Little Peoples Savings Savings account for children with $5 minimum balance, prize incentives from Treasure Chest on deposits, and automatic conversion to regular savings at age 12. Max 6 withdrawals per month.
• Christmas Club Account Seasonal savings account for holiday expenses with scheduled monthly deposits; $5 service charge if scheduled payments are not met and no withdrawals allowed before maturity.
• Certificate of Deposit (CD) Time deposit account with fixed terms that offers predictable returns and is FDIC-insured.
• Graduate CD Certificate of deposit for children with $100 minimum to open, $25 minimum additional deposits, $5,000 annual maximum; penalty applies for early withdrawal and child must be primary owner.
• Traditional IRA Tax-advantaged retirement account where contributions may be tax-deductible and earnings grow tax-deferred. $7,500 annual limit under age 50; $8,600 for age 50+ (includes $1,100 catch-up).
• Roth IRA Retirement account funded with after-tax contributions that provides tax-free withdrawals in retirement. $7,500 annual limit under age 50; $8,600 for age 50+.
• Health Savings Account (HSA) Tax-advantaged account for qualified medical expenses funded with pre-tax contributions; usable in retirement after age 65. $4,400 single coverage limit and $8,750 family coverage limit for 2026, with $1,000 catch-up for age 55+.
• Residential Real-Estate Loans Mortgage financing for family residential units housing one to four families, with local underwriting decisions and competitive rates.
• Home Improvement Loans First mortgage and home improvement financing for single and multiple-family dwellings.
• Agricultural Loans Financing for agricultural production and other farming operations including dairy farms.
• Consumer Loans Personal loans for household, family, and other non-business purposes.
• Commercial & Industrial Loans Business loans for sole proprietorships, partnerships, and corporations for commercial, industrial, or professional purposes.
• Construction & Development Loans Real estate purchase, development, and construction financing secured by the property.
• Online Banking Web-based banking platform accessible at my.peoplescommunitybank.com, providing account access, mobile deposits, card management, transaction search, and two-factor authentication.
• Mobile Banking App Banking application for iOS (version 3.34.1) and Android (version 3.34.0) supporting mobile deposits, account access, card management, transaction search, and biometric login.
• eStatements Electronic delivery of account statements replacing paper statements, accessible via Neteller ID or POP ID with Adobe Reader, available anytime online.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Arvest Bank: Regional bank operating across Arkansas, Oklahoma and Missouri with consumer, mortgage and agricultural lending. Comparable rural/regional community-banking footprint and ag-loan emphasis.
• UMB Bank: Kansas City-based regional bank with full consumer, commercial, treasury and HSA offerings. Competes with PCB for deposits and small-business relationships in Missouri.
• Equity Bank: Midwest community bank with a pronounced agricultural lending franchise and growing branch network. Directly comparable ag-lending focus and rural-market orientation.
• First Bank: St. Louis-based community bank with full consumer, mortgage and commercial offerings across Missouri. Directly overlaps on retail and small-business banking within PCB's geography.
• Commerce Bank: Regional incumbent headquartered in Kansas City serving Missouri and adjacent states. Overlaps on consumer deposits, mortgages and small-business banking within PCB's geography.

Direct peers

• Hawthorn Bank: Missouri community bank with full-service branches and agricultural, consumer and commercial lending. Highly comparable operating model and product set in the same state.
• Lead Bank: Kansas City-area community bank combining traditional deposit and lending with embedded-banking technology. Comparable hybrid community-bank-plus-digital positioning to PCB.
• Academy Bank: Kansas City-based community bank offering consumer checking, savings and small-business banking with a digital channel. Comparable size and product suite with PCB.
• BTC Bank: Missouri-based community bank offering checking, savings, ag and commercial lending across a multi-branch rural network. Closely comparable in footprint, product mix and agricultural lending emphasis.
• Great Southern Bank: Springfield, Missouri community bank with a large southern Missouri and northern Arkansas branch network. Overlaps directly with PCB on consumer deposits, mortgages and ag lending in adjacent geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/PeoplesCBank
• Facebookfacebook.com/share/1GzPBa72gs
• LinkedInlinkedin.com/company/peoplescommunitybank
• Instagraminstagram.com/peoplescbank?igsh=M3MxajFwYjA0bGZy

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Peoples Community Bank