Peoples Bank & Trust Co.
Troy, Missouri, Lincoln County
$908M in total assets, the 1,161st largest of 4,309 US banks and 44th of 195 headquartered in Missouri.
- FDIC certificate
- 8903
- Established
- 1924
- Owned by
- Lincoln County Bcorp Inc
- Primary regulator
- FED
- Website
- pbtc.net
At a glance
Compared with 140 banks headquartered in Missouri with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $908M | 95% | $264M | |
| Loans | $497M | 86% | $200M | |
| Deposits | $799M | 97% | $230M | |
| Return on assets | 1.53% | 59% | 1.41% | |
| Net interest margin | 3.48% | 16% | 4.13% | |
| Efficiency ratio | 51.8% | 27% | 59.5% | |
| Equity to assets | 8.75% | 28% | 10.15% | |
| Loans to deposits | 62% | 11% | 86% |
Growth
Total assets grew 5.8% a year over the last 5 years and 7.2% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2021 | Bank of Louisiana Louisiana, MO, an affiliate under the same holding company | $57M |
| Dec 1978 | Citizens Bank of Troy Troy, MO | n/a |
Where they operate
10 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lincoln County, MO | $593M | 34.8% | 2 of 8 |
| St. Charles County, MO | $129M | 1.3% | 24 of 35 |
| Pike County, MO | $77M | 16.2% | 3 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (7 to 10, +42.9%). 2 opened, 2 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2019 | Opened Cottleville | 1 | 0 | +1 | 8 |
| 2021 | Acquired Bank of Louisiana | 2 | 0 | +2 | 10 |
| 2022 | Closed Louisiana | 0 | 1 | −1 | 9 |
| 2025 | Opened Troy | 1 | 0 | +1 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 39% | 20% | |
| 1-4 family residential | 17% | 33% | |
| Construction and land | 11% | 7% | |
| Business (C&I) | 10% | 10% | |
| Farmland | 7% | 15% | |
| Multifamily | 6% | 3% | |
| Consumer | 3% | 4% | |
| Agricultural | 1% | 6% | |
| Other | 5% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 46% | |
| Time deposits | 34% | 33% | |
| Noninterest-bearing | 23% | 21% |
Brokered deposits are 5.9% of deposits (peers 2.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 2.27% | 0.40% |
| Net charge-offs, annualized | 0.01% | 0.01% |
| Reserves to loans | 1.63% | 1.21% |
| Leverage ratio | 9.96% | 10.54% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Lincoln County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/peoples-bank-trust-troy-mo