Peoples Bank & Trust Co.

Peoples Bank & Trust Co. is a currently active commercial lending specialization banking institution headquartered in Troy, Missouri. Established in 03/10/1924, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Peoples Bank & Trust Co. manages $904.9M in total assets and holds $800.6M in customer deposits. When evaluating the stability of Peoples Bank & Trust Co., one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.34%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.56%, while its Return on Equity (ROE) sits at 18.70%. These robust metrics contribute to an overall health score of 9.3 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.