PEOPLES BANK & TRUST CO.

TROY, MO | Medium | Est. March 10, 1924, midnight | FDIC #8903 | RSSD #909055 | FED
Latest Report: 2025-12-31

PEOPLES BANK & TRUST CO. is amn medium FDIC-insured commercial bank headquartered in TROY, MO, established in March 10, 1924, midnight. As of 2025-12-31, the bank reported total assets of $914M and total deposits of $808M. Profitability stands at 1.17% ROA and 13.83% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 12.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.23% and a Texas Ratio of 7.28%. FDIC Certificate #8903.

Assets

$914M

Deposits

$808M

Loans

$495M

Equity

$77M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 13.83%
Net Interest Margin (NIM) 3.59%
Yield on Assets 5.60%
Cost of Funds 2.03%

Asset Quality

NPL Ratio 1.23%
Net Charge-Off Ratio 0.01%
Texas Ratio 7.28%
NPA Ratio 0.66%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 12.39%
Tier 1 Capital 12.39%
Total Capital Ratio 13.39%
Leverage Ratio 9.91%
Loan-to-Deposit 61.26%

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