PEOPLES BANK & TRUST CO.
PEOPLES BANK & TRUST CO. is an FDIC-insured commercial bank headquartered in TROY, MO, established in 1924. As of , 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 3.48%. CET1 capital ratio: 12.39%, well above regulatory minimums. NPL ratio: 1.31% · Texas Ratio: 7.76%. Operates 9 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Peoples Bank & Trust CO. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.39% | 1.17% | 1.31% | 7.76% | 3.48% |
| 2025-09-30 | 12.68% | 1.80% | 1.44% | 8.54% | 3.38% |
| 2025-06-30 | 12.51% | 1.48% | 0.30% | 1.91% | 3.32% |
| 2025-03-31 | 11.88% | 1.25% | 0.27% | 1.80% | 3.13% |
| 2024-12-31 | 11.97% | 1.44% | 0.20% | 1.33% | 3.11% |
| 2024-09-30 | 12.64% | 1.25% | 0.19% | 1.14% | 3.18% |
| 2024-06-30 | 12.47% | 1.21% | 0.19% | 1.27% | 3.12% |
| 2024-03-31 | 12.36% | 1.06% | 0.25% | 1.65% | 3.04% |
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Frequently asked about PEOPLES BANK & TRUST CO.
What are Peoples Bank & Trust CO.'s total assets?
As of the Q4 2025 filing, Peoples Bank & Trust CO. reported total assets of $914.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank & Trust CO. headquartered?
Peoples Bank & Trust CO. is headquartered in TROY, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoples Bank & Trust CO. founded?
Peoples Bank & Trust CO. was established in 1924, per the FDIC institution directory.
Is Peoples Bank & Trust CO. FDIC-insured?
Yes. Peoples Bank & Trust CO. is an FDIC-insured commercial bank (FDIC Certificate #8903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank & Trust CO.?
Peoples Bank & Trust CO.'s primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Bank & Trust CO.'s CET1 capital ratio?
Peoples Bank & Trust CO. reported a Common Equity Tier 1 (CET1) capital ratio of 12.39% in its most recent quarterly filing — above regulatory minimums.
How many branches does Peoples Bank & Trust CO. operate?
Peoples Bank & Trust CO. operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Peoples Bank & Trust CO.'s Texas Ratio?
Peoples Bank & Trust CO.'s Texas Ratio is 7.76% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.