Advertisement
Peoples Bank & Trust Co.
Troy, MO · FDIC Certificate #8903 · Chartered 03/1
Total assets
$908.28M
Total deposits
$799.25M
Total equity
$79.45M
Net loans
$489.37M
Branches (offices)
10
Net income (YTD)
$7.11M
Rank: #1,135 of 4,213 U.S. banks by assets · #44 of 190 in Missouri. Assets changed 5.2% and deposits 5.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 18.43% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 8.75% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 25.1% |
| Noncurrent loans (share of loans) | 2.27% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 61.2% |
| Real estate loans (share of loans) | 82.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $404.37M | 82.6% | |
| Commercial & industrial | $51.10M | 10.4% | |
| Consumer / individual | $13.04M | 2.7% | |
| Construction & development | $56.58M | 11.6% | |
| Agricultural | $3.44M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $745.50M | $687.50M | $4.44M | $52.58M |
| Jun 2023 | $742.18M | $678.99M | $4.96M | $50.22M |
| Jun 2024 | $829.82M | $732.51M | $4.63M | $59.45M |
| Jun 2025 | $863.03M | $755.71M | $6.01M | $69.28M |
| Jun 2026 | $908.28M | $799.25M | $7.11M | $79.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $799.25M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $799.25M.
Similar-sized banks
Citizens State Bank Of New Castle, Indiana ($908.77M) · Paragon Bank ($908.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement