Peoples Bank and Trust

Overview / Commentary
430 East Wood St.
Troy, MO 63379

Peoples Bank and Trust is headquartered in TROY and is the 50th largest bank in the state of Missouri. It is also the 1,287th largest bank in the nation. It was established in 1924 and as of September of 2023, it had grown to 122 employees at 9 locations. Peoples Bank and Trust's CD rates are 3X the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #8903
Year Established1924
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD21.22%
Annual Interest Income$25.5MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$728.2MM$750MM
LoansQ3 2023vs Q3 2022$382.1MM$364.2MM
DepositsQ3 2023vs Q3 2022$643.2MM$699.1MM
Equity CapitalQ3 2023vs Q3 2022$46.3MM$47.7MM
Loan Loss AllowanceQ3 2023vs Q3 2022$5.3MM$5.3MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$320K$290K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Peoples Bank and Trust CD Rates

5.10%$1k-13 Month CD Special
3.29%$1k-60 Month CD
3.03%$1k-48 Month CD
2.78%$1k-36 Month CD
2.52%$1k-12 Month CD
2.52%$1k-24 Month CD
1.51%$1k-6 Month CD

Cities: Bowling Green, Cottleville, Elsberry, Hawk Point, Louisiana, O'fallon, Troy, Winfield

Bowling Green Branches
Bowling Green Branch106 N Business Hwy 61Bowling Green, MO 63334

Cottleville Branches
Cottleville Location Branch1497 Cottleville ParkwayCottleville, MO 63376

Elsberry Branches
Elsberry Branch105 South Main StreetElsberry, MO 63343

Hawk Point Branches
Hawk Point Branch65 S Hwy 47Hawk Point, MO 63349

Louisiana Branches
Georgia Street Facility3308 West Georgia StreetLouisiana, MO 63353
Louisiana Downtown Branch101 South Third StreetLouisiana, MO 63353

O'fallon Branches
North Main Street Branch1310 North Main StreetO'fallon, MO 63366

Troy Branches
Peoples Bank & Trust Co.430 E Wood StTroy, MO 63379
Drive-In Facility#9 Troy SquareTroy, MO 63379

Winfield Branches
Winfield Branch103 Pine StreetWinfield, MO 63389

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