Peoples Bank & Trust Co.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Troy, MO, Peoples Bank & Trust Co. serves its local market as an FDIC-insured commercial bank, in the St. Louis metropolitan banking region. On its most recent Q2 2026 call report, Peoples Bank & Trust Co reported $908M in total assets against $799M in deposits. Profitability is strong, 1.54% ROA, paired with 18.36% ROE and a 3.49% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.96% exceeds the CBLR threshold. Credit conditions bear watching: 2.34% NPL ratio with a 13.30% Texas Ratio (elevated but below the 100% concern level). 10 branches make up the footprint.
As of June 30, 2026, Peoples Bank & Trust Co. reported a Tier 1 leverage ratio of 9.96%, a return on assets of 1.54%, a nonperforming-loan ratio of 2.34%, a Texas ratio of 13.30%, per financial data filed with the FFIEC.
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)
- Offices
- 10 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.96% | 1.54% | 2.34% | 13.30% | 3.49% |
| Q1 2026 | 9.82% | 1.54% | 2.32% | 14.36% | 3.40% |
| Q4 2025 | 9.91% | 1.16% | 1.31% | 7.77% | 3.49% |
| Q3 2025 | 9.91% | 1.74% | 1.44% | 8.55% | 3.39% |
| Q2 2025 | 9.64% | 1.45% | 0.30% | 1.91% | 3.33% |
| Q1 2025 | 9.42% | 1.23% | 0.27% | 1.81% | 3.12% |
| Q4 2024 | 9.67% | 1.42% | 0.20% | 1.33% | 3.13% |
| Q3 2024 | 9.83% | 1.22% | 0.19% | 1.15% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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 | Charter Retained (Merger or Purchase & Assumption) | 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
What the public regulatory sources show for Peoples Bank & Trust Co., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 253 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Peoples Bank & Trust Co. operate?
Peoples Bank & Trust Co. 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?
Peoples Bank & Trust Co.'s Texas Ratio is 13.30% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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