Peoples Bank and Trust

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.pbtc.net

636-528-7001

430 East Wood St.
Troy, MO 63379

Peoples Bank and Trust is headquartered in TROY and is the 46^th largest bank in the state of Missouri. It is also the 1,152^nd largest bank in the nation. It was established in 1924 and as of March of 2025, it had grown to 122 employees at 9 locations. Peoples Bank and Trust's CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	8903
Year Established	1924
Employees	122
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.25%
Return on Equity - YTD	17.19%
Annual Interest Income	$11.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$890.1MM$813.6MM
Loans	Q1 2025vs Q1 2024	$467.3MM$404.4MM
Deposits	Q1 2025vs Q1 2024	$786.8MM$719.6MM
Equity Capital	Q1 2025vs Q1 2024	$66.4MM$56.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.1MM$4.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$741K$415K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Peoples Bank and Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	13 Month CD Special
4.00%	$1k	-	7 Month CD Special
2.52%	$1k	-	60 Month CD
2.32%	$1k	-	48 Month CD
2.22%	$1k	-	36 Month CD
2.12%	$1k	-	12 Month CD
2.02%	$1k	-	24 Month CD
1.10%	$1k	-	6 Month CD

Locations

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

Bowling Green Branches
Bowling Green Branch	106 N Business Hwy 61	Bowling Green, MO 63334

Cottleville Branches
Cottleville Location Branch	1497 Cottleville Parkway	Cottleville, MO 63376

Elsberry Branches
Elsberry Branch	105 South Main Street	Elsberry, MO 63343

Hawk Point Branches
Hawk Point Branch	65 S Hwy 47	Hawk Point, MO 63349

Louisiana Branches
Georgia Street Facility	3308 West Georgia Street	Louisiana, MO 63353
Louisiana Downtown Branch	101 South Third Street	Louisiana, MO 63353

O'fallon Branches
North Main Street Branch	1310 North Main Street	O'fallon, MO 63366

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

Winfield Branches
Winfield Branch	103 Pine Street	Winfield, MO 63389

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