BlastPoint's Banking Scorecard

Peoples Bank & Trust Co.

$100M-$1B Specialty: Commercial MO FDIC cert 8903

Troy, MO

10 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +5.8% year over year ($799.3M on the books).
Delinquency rate 2.30%.
Return on assets 1.56%.
Efficiency ratio 51.77% vs a 64.48% peer average.
Loan-to-deposit ratio 61.23% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Peoples Bank & Trust Co. has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.24% above tier average
+ Efficiency Ratio 12.71% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 40.2% in tier
- Net Interest Margin 0.50% below tier average
- Delinquency Rate 1.38% above tier average

Get updates when Peoples Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$908.3M +5.2% YoY +0.4% QoQ	+$521.7M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Top 3.4% in tier
Total Loans ?	$489.4M +5.1% YoY +0.6% QoQ	+$231.0M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 12.5% in tier
Total Deposits ?	$799.3M +5.8% YoY -0.2% QoQ	+$472.5M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Top 2.2% in tier
Return on Assets ?	1.56% +13.8% YoY +0.1% QoQ	+0.24%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.48% +4.9% YoY +1.5% QoQ	-0.50%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	51.77% -16.6% YoY +0.4% QoQ	-12.71%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	2.30% -2.8% QoQ	+1.38%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 10.3% in tier
Loan-to-Deposit Ratio ?	61.23% -0.6% YoY +0.7% QoQ	-16.72%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	22.62% +0.0% YoY +3.1% QoQ	+0.59%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	1.24% -2.6% QoQ	+0.57%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	9.96% -20.3% YoY -22.3% QoQ	-5.95%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 10.0% in tier
Non-Interest Income / Assets ?	0.24% -0.9% YoY +97.8% QoQ	-0.32%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	22.6% 0.0pp YoY +0.7pp QoQ	+0.5pp	22.1%	20.9%	22.2%	57%
Brokered Deposits	5.9% -0.3pp YoY 0.0pp QoQ	-1.9pp	7.9%	7.4%	8.5%	58%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	10.4% +2.6pp YoY +2.4pp QoQ	-1.1pp	11.6%	12.3%	12.5%	55%
CRE	57.9% -1.4pp YoY -2.2pp QoQ	+18.4pp	39.5%	36.8%	41.4%	82%
1-4 Family	17.8% +1.8pp YoY +1.1pp QoQ	-14.9pp	32.6%	31.9%	31.3%	25%
Consumer	2.7% -2.4pp YoY -1.5pp QoQ	-1.4pp	4.1%	4.1%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	10.0% +0.3pp YoY +0.1pp QoQ	-2.2pp	12.2%	11.6%	12.6%	30%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	117 -7 (-5.6%) YoY -7 (-5.6%) QoQ	+58	58	162	482	92%
Assets per Employee ($)	$7.8M +11.5% YoY +6.4% QoQ	+$245K	$7.5M	$8.0M	$8.8M	64%
Branch Count	10 +1 (+11.1%) YoY 0 QoQ	+5	4	10	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	2.3% +2.1pp YoY 0.0pp QoQ	+1.4pp	0.9%	0.8%	1.0%	90%
Allowance Coverage	0.72x -87.7% YoY +10.9% QoQ	-23.43x	24.15x	10.47x	20.23x	18%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	18.4% +0.2pp YoY -0.3pp QoQ	+6.2pp	12.2%	14.3%	11.6%	83%
Cost of Funds (YTD)	1.8% -0.4pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	60%
Net Income ($, YTD)	$7.1M +18.4% YoY — QoQ	+$4.6M	$2.6M	$11.3M	$40.4M	96%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#267 of 661 • Bottom 40.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.96%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $799.25M

Peer Median: $326.73M

#60 of 2643 Top 2.2% in $100M-$1B

Total Assets

size

Value: $908.28M

Peer Median: $386.57M

#92 of 2643 Top 3.4% in $100M-$1B

331

Total Loans

size

Value: $489.37M

Peer Median: $258.35M

#331 of 2643 Top 12.5% in $100M-$1B

496

Loan-to-Deposit Ratio

liquidity

Value: 61.23%

Peer Median: 77.95%

#496 of 2643 Top 18.7% in $100M-$1B

541

Efficiency Ratio

profitability

Value: 51.77%

Peer Median: 64.48%

#541 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2379

Tier 1 Capital Ratio

capital

Value: 9.96%

Peer Median: 15.91%

#2379 of 2643 Bottom 10.0% in $100M-$1B

2364

Delinquency Rate

credit_quality

Value: 2.30%

Peer Median: 0.92%

#2364 of 2633 Bottom 10.3% in $100M-$1B

2228

Nonperforming Asset Ratio

credit_quality

Value: 1.24%

Peer Median: 0.67%

#2228 of 2643 Bottom 15.7% in $100M-$1B