BlastPoint's Banking Scorecard
Peoples Bank & Trust Co.
Community
Specialty: Commercial
MO
FDIC cert 8903
Troy, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Peoples Bank & Trust Co. shows strong momentum with 1 strength and 5.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 22.65% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$914.4M
+5.1% YoY
+5.9% QoQ
|
-$477.0M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$488.1M
+10.3% YoY
+3.9% QoQ
|
-$487.4M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$807.9M
+4.8% YoY
+7.4% QoQ
|
-$356.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.42%
+14.8% YoY
-6.2% QoQ
|
+0.26% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.39%
+6.4% YoY
+0.5% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
55.50%
-14.5% YoY
-0.3% QoQ
|
-7.14% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
1.25%
-6.9% QoQ
|
+0.62% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
60.41%
+5.3% YoY
-3.3% QoQ
|
-22.65% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.45%
-0.1% YoY
-6.2% QoQ
|
+0.40% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.66%
-8.6% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.39%
+3.5% YoY
-2.3% QoQ
|
+2.15% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.48%
+1.0% YoY
+30.5% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
60.41%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.41% · Tier avg: 83.06%
71
71th pctile
Efficiency Ratio
Current: 55.50% · Tier avg: 62.63%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.45% · Tier avg: 21.05%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.39% · Tier avg: 10.24%
47
47th pctile
Total Deposits
Current: $807.9M · Tier avg: $1.2B
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
44
44th pctile
Total Assets
Current: $914.4M · Tier avg: $1.4B
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
29
29th pctile
Total Loans
Current: $488.1M · Tier avg: $975.5M
20
20th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.63%
Top Weaknesses
20
20th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.63%
29
29th pctile
Total Loans
Current: $488.1M · Tier avg: $975.5M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
44
44th pctile
Total Assets
Current: $914.4M · Tier avg: $1.4B
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
47
47th pctile
Total Deposits
Current: $807.9M · Tier avg: $1.2B
51
51th pctile
Tier 1 Capital Ratio
Current: 12.39% · Tier avg: 10.24%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 21.45% · Tier avg: 21.05%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
71
71th pctile
Efficiency Ratio
Current: 55.50% · Tier avg: 62.63%
91
91th pctile
Loan-to-Deposit Ratio
Current: 60.41% · Tier avg: 83.06%