Peoples Bank & Trust Co.

BankTroy, Missouri
pbtc.net

Total Assets

$914.4M

Total Deposits

$807.9M

Branches

10

Established

1924

TFS Health Grade

$
C-

71.2 / 100

Average financial health

How we grade

Peoples Bank & Trust Co. is a bank headquartered in Troy, Missouri, established in 1924. With $914.4M in total assets and 10 branch locations, it has a TFS Financial Health Grade of C- (71.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.91%(8%)
Total Capital Ratio
13.39%(10%)
Non-Performing Loan Ratio
1.23%

Profitability

Return on Assets (ROA)
1.42%(1%)
Return on Equity (ROE)
17.93%(10%)
Net Interest Margin
3.39%
Efficiency Ratio
55.50%(60%)

Lending & Liquidity

Total Loans
$495.0M
Loan-to-Deposit Ratio
60.41%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+5.08%
Deposit Growth (YoY)
+4.75%
Net Income
$12.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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