B
Peoples Bank & Trust Co.
TroyMO
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Peoples Bank & Trust Co.
Troy, MO
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Rating B
Asset Quality Index 8.60
Capitalization Index 8.00
Liquidity Index 3.20
Profitability Index 5.20
Stability Index 6.60
Company Info Peoples Bank & Trust Co.
Troy, MO
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FDIC Number 8903
Phone Number (636) 528-7001
Website www.pbtc.net
Asset Quality Peoples Bank & Trust Co.
Troy, MO
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1-Year Asset Growth 4.00%
5-Year Asset Growth 15.86%
5-Year Charge-Offs to Average Loans -0.06%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 1.25%
Non-Performing Loans to Loans 0.30%
Balance Sheet Peoples Bank & Trust Co.
Troy, MO
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Total Assets 863.04M
Total Deposits 755.71M
Capital and Reserves Peoples Bank & Trust Co.
Troy, MO
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Capital 69.28M
Leverage Ratio 9.64
Loan Loss Reserves to Loans 1.09%
Risk-Based Capital Ratio 13.27
Liquidity Peoples Bank & Trust Co.
Troy, MO
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Hot Money Ratio 21.66%
Liquidity Ratio 15.50%
Profitability Peoples Bank & Trust Co.
Troy, MO
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5-Year Return on Average Assets 1.36%
Net Income 6.01M
Net Interest Spread 3.22%
Operating Profit to Average Assets 1.34%
Overhead Efficiency Ratio 62.06%
Return on Assets 1.34%
Return on Equity 18.19%