Peoples Bank&Trust Co (FDIC #8903): Bank Stress & Real-Estate Credit Exposure
Peoples Bank&Trust Co (FDIC Cert #8903): bank stress 64/100, elevated, STABLE over 7 days; parent LINCOLN COUNTY BCORP INC.
Peoples Bank&Trust Co (#8903) lends in 3 counties across 1 state; Peoples Bank&Trust Co (#8903) reaches 39 ZIP codes: Missouri 3 counties, 39 ZIPs.
Peoples Bank&Trust Co (#8903) largest markets: Lincoln County, MO (102 branches, 17 ZIPs) (#8903), St. Charles County, MO (30 branches, 15 ZIPs) (#8903), Pike County, MO (24 branches, 12 ZIPs) (#8903).
Peoples Bank&Trust Co (#8903) reports $908.3 million in total assets; Peoples Bank&Trust Co (#8903) equity $79.4 million (8.7% of Peoples Bank&Trust Co (#8903) assets); Peoples Bank&Trust Co (#8903) domestic deposits $799.3 million; Peoples Bank&Trust Co (#8903) net income $7.1 million; Peoples Bank&Trust Co (#8903) return on assets 1.56%; Peoples Bank&Trust Co (#8903) return on equity 18.43%; Peoples Bank&Trust Co (#8903) net interest income $14.9 million; Peoples Bank&Trust Co (#8903) call report June 30, 2026.
Peoples Bank&Trust Co (#8903) noncurrent real-estate loans: none reported; Peoples Bank&Trust Co (#8903) net charge-offs on real estate 2.11%; Peoples Bank&Trust Co (#8903) multifamily charge-offs 1.42%; Peoples Bank&Trust Co (#8903) residential charge-offs 3.16%.
Peoples Bank&Trust Co (#8903) net interest margin 3.48% against an eight-quarter Peoples Bank&Trust Co (#8903) average of 3.32% (Peoples Bank&Trust Co (#8903) compression -0.16 points); Peoples Bank&Trust Co (#8903) non-residential real estate 315.6% of equity; Peoples Bank&Trust Co (#8903) rate-exposure score 40/100, Peoples Bank&Trust Co (#8903) fixed-rate trap 40/100; Peoples Bank&Trust Co (#8903) risk type credit driven; Peoples Bank&Trust Co (#8903) rate regime rates elevated, Peoples Bank&Trust Co (#8903) snapshot October 20, 2026.
Peoples Bank&Trust Co (#8903) stress score moved from 63.8 on June 22, 2026 to 63.7 on October 20, 2026; Peoples Bank&Trust Co (#8903) ranged 63.7 to 63.8 over 117 snapshots.
Peoples Bank&Trust Co (#8903) alerts: 3 counties; top Peoples Bank&Trust Co (#8903) alert scores: Louisiana County, MO 22 (low); Saint Peters County, MO 22 (low); Winfield County, MO 22 (low).