Peoples Bank & Trust Co.: how it compares with its peers
Against 53 MO banks with half to twice its assets, Peoples Bank & Trust Co.'s strongest measure in Q2 2026 is efficiency ratio (51.77% vs. a 54.57% peer median). Its weakest relative measure is net interest margin (3.48% vs. 4.24%).
| Measure | Peoples Bank & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.56% | 1.63% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.48% | 4.24% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.77% | 54.57% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.0M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.23% | 90.15% | Context |
What it means for lending operations
Its efficiency ratio of 51.77% is better than the 54.57% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Stifel Trust Company, National Association Saint Louis, MO · $911M
- Lindell Bank & Trust Company St. Louis, MO · $915M
- Mid-Missouri Bank Springfield, MO · $947M
- American Bank of Freedom Wellsville, MO · $948M
- Midwest Regional Bank Clayton, MO · $949M
Questions about Peoples Bank & Trust Co.
How big is Peoples Bank & Trust Co.?
Peoples Bank & Trust Co., established in 1924, is headquartered in Troy, MO. It reported $908M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Peoples Bank & Trust Co.'s return on assets?
1.56% annualized in Q2 2026, against a 1.63% median for 53 MO banks with half to twice its assets, ahead of 40% of them.
What is Peoples Bank & Trust Co.'s efficiency ratio?
51.77% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 54.57%, and lower is better.
Is Peoples Bank & Trust Co. growing its loans?
Net loans grew 5.1% over the year to Q2 2026, while deposits grew 5.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.