Side-by-side · Q2 2026 data
Peoples Bank & Trust Co. vs First State Bank of St. Charles, Missouri
Bank
First State Bank of St. Charles, Missouri
St. Charles, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Peoples Bank & Trust Co. | First State Bank of St. Charles, Missouri |
|---|---|---|
| TellerScore | 58 | 85 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 24 | 87 (stronger) |
| Earnings | 83 | 87 (stronger) |
| Funding & liquidity | 88 (stronger) | 43 |
| Problem-loan coverage | 74 | 96 (stronger) |
| Peer percentile | 16th | 88th |
| Total assets | $908.3M | $535.2M |
| Deposits / shares | $799.3M | $400.8M |
| Capital ratio | 9.96% | 15.65% (stronger) |
| Problem loans | 2.27% | 0.40% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.56% | 1.67% (stronger) |
| Loans ÷ deposits | 61.2% (stronger) | 106.1% |
| Uninsured deposits | 25.1% (stronger) | 25.3% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.2% | — |
First State Bank of St. Charles, Missouri has the higher TellerScore (85 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank & Trust Co. leads on 2 and First State Bank of St. Charles, Missouri on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- O'Fallon, MO