Headquartered in Troy, Missouri, Peoples Bank & Trust Co. is a state-chartered bank (fed member) with $908.3M in total assets and $799.3M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1924.
Based on its Q2 2026 filing, Peoples Bank & Trust Co. scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 164th. Its strongest component is funding & liquidity (88/100; 61% loans-to-deposits, 25% uninsured), and its lowest is loan quality (24/100; 2.27%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 18 points (76 → 58), mostly because the loan quality component weakened by 70 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 76 |
| Q4 2024 | 75 |
| Q1 2025 | 74 |
| Q2 2025 | 76 |
| Q3 2025 | 67 |
| Q4 2025 | 66 |
| Q1 2026 | 57 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.62% |
| Q3 2024 | 9.83% |
| Q4 2024 | 9.67% |
| Q1 2025 | 9.42% |
| Q2 2025 | 9.64% |
| Q3 2025 | 9.91% |
| Q4 2025 | 9.91% |
| Q1 2026 | 9.82% |
| Q2 2026 | 9.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.19% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.23% |
| Q1 2026 | 2.33% |
| Q2 2026 | 2.27% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.13% |
| Q3 2024 | 1.17% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.42% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $908.3M | 9.96% | 2.27% | 1.56% | 61.2% |
| Q1 2026 | 57 | $904.9M | 9.82% | 2.33% | 1.56% | 60.8% |
| Q4 2025 | 66 | $914.4M | 9.91% | 1.23% | 1.42% | 60.4% |
| Q3 2025 | 67 | $863.9M | 9.91% | 1.32% | 1.51% | 62.5% |
| Q2 2025 | 76 | $863.0M | 9.64% | 0.19% | 1.37% | 61.6% |
| Q1 2025 | 74 | $890.1M | 9.42% | 0.16% | 1.25% | 59.4% |
| Q4 2024 | 75 | $870.2M | 9.67% | 0.08% | 1.24% | 57.3% |
| Q3 2024 | 76 | $825.4M | 9.83% | 0.06% | 1.17% | 60.1% |
| Q2 2024 | 74 | $829.8M | 9.62% | 0.06% | 1.13% | 56.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stifel Trust Company, National AssociationBank Saint Louis, MO | 70 out of 100, Strong | $911.0M | 7.5% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Mid-Missouri BankBank Springfield, MO | 80 out of 100, Strong | $946.7M | 10.8% | 0.07% | vs |
| American Bank of FreedomBank Wellsville, MO | 53 out of 100, Below average | $948.3M | 10.0% | 1.54% | vs |
| Midwest Regional BankBank Clayton, MO | 26 out of 100, Low | $949.0M | 10.2% | 6.61% | vs |
| PSB BankBank Rhineland, MO | 65 out of 100, Moderate | $854.5M | 8.1% | 0.29% | vs |
Deposit insurance
Is my money safe at Peoples Bank & Trust Co.?
Yes. Peoples Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #8903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.1% of deposits ($200.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
10 locations
Branches
Peoples Bank & Trust Co. lists 9 offices in 8 cities. Most locations:
- Troy, MO (2)
- Bowling Green, MO (1)
- Cottleville, MO (1)
- Elsberry, MO (1)
- Hawk Point, MO (1)
- Louisiana, MO (1)
- O'Fallon, MO (1)
- Winfield, MO (1)
HMDA 2025
Mortgage lending
In 2025, Peoples Bank & Trust Co. reported 191 home-loan applications under HMDA (LEI 254900605M87QWWATV97): 142 originated ($32,120,000 total), 21 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Peoples Bank & Trust Co.
- Former names
- Peoples Bank of Hawk Point; Peoples Bank and Trust Company of Lincoln County; Peoples Bank of Lincoln County
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 8903
- RSSD ID
- 909055
- Primary regulator
- FED
- Holding company
- Lincoln County Bcorp Inc
- Established
- March 10, 1924
- Headquarters
- 430 E Wood St, Troy, MO 63379
- Website
- pbtc.net
- Employees
- 117
Quick answers
Peoples Bank & Trust Co.: common questions
Is Peoples Bank & Trust Co. FDIC insured?
Yes. Peoples Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #8903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank & Trust Co.'s TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Bank & Trust Co. ever failed?
There is no failure record for FDIC certificate #8903 in the FDIC failed bank list.
How many branches does Peoples Bank & Trust Co. have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Troy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| United Credit UnionCredit union Mexico, MO | 88 out of 100, Very strong | $302.1M | 15.2% | 0.40% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| First State Bank of St. Charles, MissouriBank St. Charles, MO | 85 out of 100, Very strong | $535.2M | 15.6% | 0.40% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |