BlastPoint's Banking Scorecard

Peoples Bank & Trust Co.

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

Troy, MO

10 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Peoples Bank & Trust Co. has 2 strengths but faces 2 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 0.29% above tier average
+ Efficiency Ratio 13.74% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.48% above tier average
- Net Interest Margin 0.50% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$904.9M +1.7% YoY -1.0% QoQ	+$518.8M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Top 3.5% in tier
Total Loans ?	$486.6M +4.1% YoY -0.3% QoQ	+$230.9M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 12.3% in tier
Total Deposits ?	$800.6M +1.7% YoY -0.9% QoQ	+$472.6M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Top 2.3% in tier
Return on Assets ?	1.56% +24.5% YoY +10.1% QoQ	+0.29%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	3.43% +7.4% YoY +1.0% QoQ	-0.50%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	51.55% -19.3% YoY -7.1% QoQ	-13.74%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	2.37% +90.3% QoQ	+1.48%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 9.2% in tier
Loan-to-Deposit Ratio ?	60.78% +2.3% YoY +0.6% QoQ	-15.85%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	21.95% +4.5% YoY +2.4% QoQ	-0.07%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	1.27% +91.7% QoQ	+0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 14.5% in tier
Tier 1 Capital Ratio ?	12.82% +8.0% YoY +3.5% QoQ	-3.01%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.12% +10.6% YoY -74.3% QoQ	-0.16%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	64%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $800.58M

Peer Median: $327.97M

#61 of 2664 Top 2.3% in $100M-$1B

Total Assets

size

Value: $904.86M

Peer Median: $386.08M

#93 of 2664 Top 3.5% in $100M-$1B

330

Total Loans

size

Value: $486.62M

Peer Median: $255.72M

#330 of 2664 Top 12.3% in $100M-$1B

497

Efficiency Ratio

profitability

Value: 51.55%

Peer Median: 65.29%

#497 of 2664 Top 18.6% in $100M-$1B

527

Loan-to-Deposit Ratio

liquidity

Value: 60.78%

Peer Median: 76.64%

#527 of 2664 Top 19.7% in $100M-$1B

Top Weaknesses (2 metrics)

2411

Delinquency Rate

credit_quality

Value: 2.37%

Peer Median: 0.89%

#2411 of 2654 Bottom 9.2% in $100M-$1B

2278

Nonperforming Asset Ratio

credit_quality

Value: 1.27%

Peer Median: 0.64%

#2278 of 2664 Bottom 14.5% in $100M-$1B