Applications / Mortgage Analytics / Lenders / Missouri / Peoples Bank
Cuba, MO · State non-member bank · FDIC · $251 million assets · 77 loans in 2025
Peoples Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
77
loans originated, 2025
91
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank, a rural Missouri lender, makes small loans, many of them on manufactured homes, and grew faster than most similar lenders in 2025.
Its typical loan was $75,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans). That is lower than almost all of them. Manufactured homes made up 13.0% of its loans, against 2.6% at peers, Home-improvement loans, which tend to be small, were another 14.3%.
Its loans rose 22% to 77, faster than the 9% at similar lenders and the 10% for the market as a whole. The rise follows a fall from 124 loans in 2021 to 63 in 2024, and it leaves the bank below the 108 it made in 2018.
Some 39.0% of its borrowers had low or moderate incomes (LMI), against 27.3% at peers, a higher share than about four in five similar lenders. A third of its loans (33.8%) went to LMI neighborhoods, against 18.7%. Small loans and manufactured homes may suit buyers with smaller incomes.
In non-metro Missouri, where it has reported since 2008, it ranked 118 of 640 lenders. Flat Branch Mortgage led that market with $445.5M. Its share of lending around St. Louis is close to nil.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples Bank took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 46.8% · Refinance 28.6% · Home improvement 14.3% · Other 10.4%
Conventional 100.0% · of 77 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 77 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PDELOGUKYYDA02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 948250 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312230 | 2008–2017 |
Established 22 June 1901. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Peoples Bank's data.
Peoples Bank's data
$215
Peoples Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Peoples Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]