Peoples Bank & Trust Co.
Troy, Missouri · $908M in assets · beside the 11 other Missouri banks between $300M and $1B
The filing
Peoples Bank & Trust Co. is the eighth largest of the 12 Missouri banks nearest its size between $300M and $1B, with $908M in assets at 30 June 2026. Loans are 62.2% of deposits, 2nd of 12 against a median of 92.1%, and equity is 8.7% of assets, 9th of 12. Loans grew +5.7% in the year, 5th of 11, and deposits grew 5.8%; the cohort's median loan growth is +5.0%.
Noncurrent loans are 2.27% of the book, 10th of 11 against a median of 0.45%; 0.17% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 32.1% of loans, 5th of 11 against a median of 32.5%, and 174% of capital, below the 300% screen, with construction at 62% against the 100% screen. CRE has grown +54.2% over 36 months, past the guidance's 50% prong.
Return on assets is 1.54%, 6th of 12 against a median of 1.54%, on an efficiency ratio of 51.8%, 5th of 12. Five years ago it was 1.23%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.
Commercial real estate against capital
| Peoples Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 174% | 5th of 12 | 196% |
| Construction against capital, the 100% screen | 62% | 5th of 12 | 68% |
| Construction and land development, share of loans | 11.4% | 6th of 11 | 11.4% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 14.3% | 7th of 11 | 14.1% |
| Total CRE, the guidance definition, share of loans | 32.1% | 5th of 11 | 32.5% |
| CRE growth over 36 months, the third prong | +54.2% | 8th of 11 | +48.0% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $995M | 1.5% | 46.6% | 0.00% | -0.04% | 1.7% | 73.0% | 7.1% | |
| $993M | 0.4% | 84.3% | 0.45% | 0.29% | 1.3% | 111.1% | 10.7% | |
| $949M | -1.4% | 69.2% | 6.61% | 3.20% | 2.5% | 91.2% | 10.5% | |
| $948M | 0.6% | 70.9% | 1.54% | 0.05% | 1.3% | 95.0% | 10.3% | |
| $947M | 1.6% | 59.0% | 0.07% | 0.04% | 1.2% | 80.5% | 10.6% | |
| $915M | 2.7% | 46.0% | 0.58% | -0.05% | 2.7% | 77.1% | 18.0% | |
| $911M | 3.3% | 38.9% | no record | no record | no record | 0.0% | 5.8% | |
| $908M | 1.5% | 51.8% | 2.27% | 0.01% | 1.6% | 62.2% | 8.7% | |
| $867M | 1.4% | 56.8% | 0.13% | 0.00% | 1.7% | 93.2% | 9.9% | |
| $854M | 1.2% | 64.8% | 0.29% | -0.01% | 1.1% | 96.7% | 8.4% | |
| $854M | 1.7% | 64.4% | 0.85% | 0.05% | 1.2% | 104.9% | 12.1% | |
| $850M | 1.9% | 51.2% | 0.13% | 0.04% | 0.9% | 92.9% | 8.9% |
| Peoples Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $292M | $497M | +70% | $428M | $676M | +58% |
| Deposits | $611M | $799M | +31% | $616M | $748M | +22% |
| NPA / loans | 0.73% | 2.27% | +1.53 pts | 0.34% | 0.45% | +0.11 pts |
| Efficiency | 66.0% | 51.8% | -14.3 pts | 63.6% | 57.9% | -5.8 pts |
| ROA | 1.23% | 1.54% | +0.31 pts | 1.24% | 1.54% | +0.30 pts |
This read was prepared for Peoples Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Peoples Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort MO banks $300M to $1B
Institution pbtc.net
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