PBS BANCSHARES INC is the bank holding company. PEOPLE'S BANK OF SENECA is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

PBS BANCSHARES INC

Legal name: PBS BANCSHARES, INC.

1 active bank · $497M combined assets

RSSD ID: 4096645 (FFIEC NIC)

Combined Assets

$497M

CRA Rating Summary

Satisfactory1charter

Across all 5 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankPEOPLE'S BANK OF SENECASENECA, MOSatisfactory$497MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$497M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$434M

Net Income

$2M

ROA (avg)

1.33%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

187

Origination Rate

64.17%

Denial Rate

17.65%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
PEOPLE'S BANK OF SENECA	SENECA, MO	FDIC	$497M	100.0%	Satisfactory	Apr 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.