Peoples Bank & Trust Co.
Troy, MO
IDRSSD: 909055
Total Assets
$914.43M
Latest filing
Total Deposits
$807.94M
Latest filing
Net Interest Margin
3.51%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
081506552CUBA, MO081910232TROY, MO
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples Bank & Trust Co.
430 E Wood St
Troy, MO 63379
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/10/1924FDIC Certificate 5692
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Peoples Bank & Trust Co. (Main) | 430 E Wood St | Troy, MO |
| WINFIELD BRANCH | 103 Pine St | Winfield, MO |
| HAWK POINT BRANCH | 65 S Highway 47 | Hawk Point, MO |
| TROY SQUARE BRANCH | #9 Troy Square | Troy, MO |
| O'FALLON BRANCH | 1310 N Main St | O'Fallon, MO |
| BOWLING GREEN BRANCH | 106 N Business Hwy 61 | Bowling Green, MO |
| ELSBERRY BRANCH | 105 S Main St | Elsberry, MO |
| LOUISIANA DOWNTOWN BRANCH | 101 S 3rd St | Louisiana, MO |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 03/10/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63379 |
| State and County Number | 29113 |
| Subchapter S Corporations | Yes |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 119 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | pbtc.net |
| Data Updated | 01/30/2026 |
| CERT | 8903 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $914.43M |
| Total Deposits | $807.94M |
| Total Liabilities | $837.88M |
| Total Equity Capital | $76.54M |
| Net Income | $2.60M |
| Net Loans and Leases | $488.07M |
| Assets Per Employee ($Millions) | $7.5M |
| Bank Premises and Fixed Assets | $11.73M |
| Cash and Balances due from Depository Institutions | $88.63M |
| Deposits Held in Domestic Offices | $807.94M |
Key Performance Ratios
| Return on Assets (ROA) | 1.17% |
| Return on Equity (ROE) | 13.83% |
| Net Interest Margin | 3.51% |
| Efficiency Ratio | 55.03% |
| Tier 1 Risk-Based Capital Ratio | 12.39% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.53% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.371% |
| Earning Assets to total Assets | 94.1% |
Income and Expense
| Total Interest Income | $11.44M |
| Total Noninterest Income | $1.21M |
| Total Interest Expense | $4.10M |
| Total Noninterest Expense | $4.71M |
| Net Interest Income | $7.34M |
| Pre-tax Net Operating Income | $2.68M |
| Provision for Credit Losses | $1.17M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.17M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.94M |
| Total Liabilities and Capital | $914.43M |
Securities
| Securities | $292.76M |
| Available-for-sale debt securities | $292.76M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples Bank & Trust Co.?
$914.43M as of the latest filing.
How much are Peoples Bank & Trust Co.'s total deposits?
$807.94M in total deposits.
Where is Peoples Bank & Trust Co. located?
Troy, MO.
What is the Net Interest Margin?
3.51%.
How many domestic offices does it operate?
10.
When was it established?
03/10/1924.
What is the Return on Assets (ROA)?
1.17%.
How much are total loans and leases?
$488.07M (latest filing).
What is the total interest income (latest filing)?
$11.44M.