Peoples Bank & Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank & Trust Co. is an FDIC-insured commercial bank headquartered in Troy, MO, established in 1924 (FDIC certificate 8903), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $908.3M, up 5.2% from Q2 2025, the 44th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8903
- Headquarters
- Troy, MO
- Established
- 1924
- Total assets, Q2 2026
- $908.3M
- Assets vs Q2 2025
- +5.2%
- Tier 1 leverage ratio, Q2 2026
- 9.96%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 081910232
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank & Trust Co. call report
- Holding company
- LINCOLN COUNTY BANCORP, INC.
- Asset rank in state
- 44th of 191 in Missouri
Problem loans are rising at Peoples Bank & Trust Co.. Its balance sheet stood at $908 million at June 30, 2026, up 5.2% from a year earlier; it is based in Troy, Missouri. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.27% of loans from 0.19% a year earlier. It carries problem assets equal to 12.9% of the capital and reserves that would absorb them, 4.9 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 18.4% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
The commercial and industrial book ($51 million) is worsening: 5.29% of it is past due or on nonaccrual, up from 0.07% a year earlier. The non-owner-occupied commercial real estate book ($71 million) is worsening: 7.46% of it is past due or on nonaccrual, up from 0.65% a year earlier.
As of June 30, 2026, Peoples Bank & Trust Co. reported a return on assets of 1.54%, a nonperforming-loan ratio of 2.27% and a Texas ratio of 12.88%. The figures come from its call report filed with the FFIEC.
Peoples Bank & Trust Co. ranks as the 44th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.4% to $908.3M, loans rose 0.7% and deposits fell 0.2%. Owner-occupied commercial real estate loans made up 24.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 17.5%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities in MO; its Troy 3 offices book 59% of its branch deposits. Judged on its Q2 2026 call report, Peoples Bank & Trust Co. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 430 E Wood St, Troy, MO 63379
- County
- Lincoln
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 10, 1924
- Former names
- Peoples Bank and Trust Company of Lincoln County (1986-2000); Peoples Bank of Lincoln County (1978-1986)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 117
- Domestic deposits
- $799.3M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- $22K
- Average total assets
- $921.9M
- Average total loans
- $498.6M
- Average interest-bearing deposits
- $621.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8903
- Fed RSSD
- 909055
- SEC CIK
- 1862513 → filed by LINCOLN COUNTY BANCORP, INC.
- Website
- pbtc.net →
- Parent Holding Company
- LINCOLN COUNTY BANCORP, INC. (RSSD 1097173)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Peoples Bank & Trust Co. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Peoples Bank & Trust Co.'s total assets ran between $728.2M (Q3 2023) and $914.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$908.3M total assets against $863.0M; $828.8M total liabilities against $793.8M.
$489.4M net loans and leases against $465.4M; $799.3M total deposits against $755.7M.
$305.8M securities against $288.9M; $70.6M cash and balances due against $68.5M.
$11.5M total interest income against $11.5M; $3.9M total interest expense against $4.5M.
$7.6M net interest income against $7.1M.
$1.1M total noninterest income against $1.1M; $4.5M total noninterest expense against $4.9M.
$600K provision for credit losses against $0.
$3.6M net income against $3.2M.
1.54% return on assets against 1.45%; 3.49% net interest margin against 3.33%.
9.96% tier 1 leverage ratio against 9.64%.
Inside the full Peoples Bank & Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 421 of 3,640, for Texas Ratio; its furthest is 1,210 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.16% (Q4 2025) to 1.74% (Q3 2025) and its net interest margin ran from 3.12% (Q1 2025) to 3.49% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.96% | 1.54% | 2.27% | 12.88% | 3.49% |
| Q1 2026 | 9.82% | 1.54% | 2.33% | 13.92% | 3.40% |
| Q4 2025 | 9.91% | 1.16% | 1.23% | 7.29% | 3.49% |
| Q3 2025 | 9.91% | 1.74% | 1.32% | 7.87% | 3.39% |
| Q2 2025 | 9.64% | 1.45% | 0.19% | 1.18% | 3.33% |
| Q1 2025 | 9.42% | 1.23% | 0.16% | 1.04% | 3.12% |
| Q4 2024 | 9.67% | 1.42% | 0.08% | 0.51% | 3.13% |
| Q3 2024 | 9.83% | 1.22% | 0.06% | 0.36% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank & Trust Co. (main office) | Troy , MO | 63379 | $447.3M |
| O'Fallon Branch | O'Fallon , MO | 63366 | $80.0M |
| Winfield Branch | Winfield , MO | 63389 | $50.5M |
| Cottleville Location Branch | Cottleville , MO | 63376 | $49.2M |
| Hawk Point Branch | Hawk Point , MO | 63349 | $42.7M |
| Louisiana Downtown Branch | Louisiana , MO | 63353 | $40.0M |
| Bowling Green Branch | Bowling Green , MO | 63334 | $36.8M |
| Elsberry Branch | Elsberry , MO | 63343 | $29.8M |
| Troy Square Branch | Troy , MO | 63379 | $22.8M |
| Peoples Bank & Trust Co. Mobile Unit Branch | Troy , MO | 63379 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 11, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 11, 2021 | Structure Change | Acquired Bank of Louisiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 21, 1998 | Structure Change | Acquired another institution Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 1978 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 1978 | Structure Change | Acquired Citizens Bank of Troy Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- June 14, 2010, Federal Reserve: Written Agreement: Lincoln County Bancorp, Troy, Missouri; Peoples Bank and Trust Company, Troy, Missouri
- Period: Most recent institution action June 14, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in MO, rank 56 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 191 applications, 142 loans originated, $32.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $128K approved, $128K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples Bank & Trust Co.
What are Peoples Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, Peoples Bank & Trust Co. reported total assets of $908.3 million in its FFIEC call report.
Where is Peoples Bank & Trust Co. headquartered?
It is headquartered in Troy, MO, United States.
When was Peoples Bank & Trust Co. founded?
It was established in 1924, per the FDIC institution directory.
Is Peoples Bank & Trust Co. FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Peoples Bank & Trust Co. operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank & Trust Co.'s Texas Ratio?
Its Texas Ratio is 12.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Peoples Bank & Trust Co. previously called?
The charter now named Peoples Bank & Trust Co. has also operated as Peoples Bank and Trust Company of Lincoln County (1986-2000), Peoples Bank of Lincoln County (1978-1986), per FDIC structure-change records.
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