Bank · FDIC insured
Peoples Bank & Trust
A $908.3M bank headquartered in Troy, MO, with 9 branches in Missouri. Best rates: CDs 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs753.75%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Peoples Bank & Trust
Peoples Bank & Trust is a community bank serving Lincoln, St. Charles, and Pike County, Missouri.
The institution opened its doors in 1924 as Peoples Bank of Hawk Point.
- Headquarters
- 430 E Wood St, Troy, MO 63379
- FDIC certificate
- 8903 ↗
Branches
9 branches in Missouri
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Missouri
9 branches
St. Louis area · 7
- Peoples Bank & Trust Co.Main office430 E Wood St, Troy, MO 63379Directions
- Cottleville Location Branch1497 Cottleville Pkwy, Cottleville, MO 63376Directions
- Elsberry Branch105 S Main St, Elsberry, MO 63343Directions
- Hawk Point Branch65 S Highway 47, Hawk Point, MO 63349Directions
- O'Fallon Branch1310 N Main St, O'Fallon, MO 63366Directions
- Troy Square Branch#9 Troy Square, Troy, MO 63379Directions
- Winfield Branch103 Pine St, Winfield, MO 63389Directions
Bowling Green area · 1
- Bowling Green Branch106 N Business Hwy 61, Bowling Green, MO 63334Directions
Louisiana area · 1
- Louisiana Downtown Branch101 S 3rd St, Louisiana, MO 63353Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.96% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.27% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.56% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $62 | $81 | — |
- CapitalLeverage ratio9.96%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.27%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.56%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$62Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Peoples Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.