Peoples Bank & Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank & Trust Co. of Troy, MO against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.54% | 1.34% | +0.20% | 66th above |
| ROAE | 18.36% | 13.32% | +5.04% | 81st top |
| Net Interest Margin | 3.49% | 3.93% | -0.44% | 27th below |
| Efficiency Ratio | 50.44% | 61.14% | -10.70% | 80th top |
| PPNR / Avg Assets | 1.80% | 1.68% | +0.12% | 63rd above |
| Yield on Earning Assets | 5.24% | 5.67% | -0.43% | 32nd below |
| Cost of Funds | 1.90% | 1.88% | +0.02% | 44th below |
| Net Interest Spread | 2.82% | 3.32% | -0.50% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.34% | 0.94% | +1.40% | 10th bottom |
| NPA / Total Assets | 1.28% | 0.70% | +0.58% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 40th below |
| ACL / Total Loans | 1.63% | 1.28% | +0.35% | 85th top |
| ACL / NPLs (Coverage) | 69.76% | 1547.54% | -1477.78% | 18th bottom |
| Texas Ratio | 13.30% | 7.33% | +5.97% | 15th bottom |
| Provision / NCO | 5595.45% | 1389.25% | +4206.20% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.96% | 12.14% | -2.18% | 31st below |
| Equity / Assets | 8.75% | 11.37% | -2.62% | 23rd bottom |
| TCE / Tangible Assets | 8.74% | 11.09% | -2.35% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.24% | 80.68% | -18.44% | 81st top |
| Core Deposit Ratio | 83.86% | 86.85% | -2.99% | 27th below |
| Wholesale Funding Ratio | 2.75% | 5.04% | -2.29% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.24% | 6.84% | -1.60% | 57th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.73% | 7.92% | -2.19% | 52nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.76% | 6.29% | -0.53% | 62nd above |
See Peoples Bank & Trust Co.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank & Trust Co., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples Bank & Trust Co. profile, how to read a UBPR, or how this data updates.