Peoples Bank & Trust Co. Mortgage Rates, Fees & Info
Troy, MOLEI: 254900605M87QWWATV97
Tax ID: 43-0453380
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Mortgage Data
Bank Data
Review & Overview
Peoples Bank & Trust Co. is a smaller bank specializing in Home Purchase loans. Peoples Bank & Trust Co. has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Fort Madison, Columbia, Cape Girardeau, and Quincy among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Peoples Bank & Trust Co. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.24% | 4/21/24 |
| 30 Year Conventional Refi | 6.42% | 4/21/24 |
| 30 Year Cash-out Refi | 6.51% | 4/21/24 |
| 15 Year Conventional Purchase | 6.83% | 4/21/24 |
| 15 Year Conventional Refi | 6.12% | 4/21/24 |
| 15 Year Cash-out Refi | 6.12% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Peoples Bank & Trust Co. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
211Origination Dollar Volume (All Markets)
$29,715,000Employee count
117Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 168 | $24,530,000 | $146,012 | $0 | 0.00% |
| Outside of Metro Areas | 30 | $2,940,000 | $98,000 | $0 | 0.00% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $0 | 0.00% |
| COLUMBIA, MO (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $0 | 0.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
| Mexico, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against PEOPLES BANK & TRUST CO. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 211 | $29,715,000 | $140,829 | $0 | 0.00% |
For 2018, Peoples Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 211 originations.
Loan Reason
For 2018, Peoples Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 120 originations. The 2nd most popular reason was Refi, with 42 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 211 | $29,715,000 | $140,829 | $0 | 0.00% |
For 2018, Peoples Bank & Trust Co.'s most frequently cited loan duration was Other, with 211 originations.
Loan Sizing
2018 saw Peoples Bank & Trust Co. place emphasis on $100,000 or less loans with 88 originations, totaling $4,060,000 in origination value.
Applicant Income
Peoples Bank & Trust Co. lent most frequently to those with incomes in the $50k-75k range, with 48 originations. The second most popular income band? $50k or less, with 41 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 211 | $29,715,000 | $140,829 | $0 | 0.00% |
Peoples Bank & Trust Co. lent most frequently to those with DTI ratios of Exempt%, with 211 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.49%
Peoples Bank & Trust Co. has an average approval rate.
Pick Rate
Approvals leading to origination82.46%
Peoples Bank & Trust Co. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 211 | $29,715,000 | $140,829 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Closing on a mortgage | 2 | 40.0% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 2 | 40.0% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Other type of mortgage | Closing on a mortgage | 1 | 20.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Peoples Bank & Trust Co. | #9 Troy Square Troy, MO 63379 | Limited, Drive-thru | $12,595 |
| Peoples Bank & Trust Co. | 103 Pine Street Winfield, MO 63389 | Full Service B&M | $33,067 |
| Peoples Bank & Trust Co. | 105 South Main Street Elsberry, MO 63343 | Full Service B&M | $15,930 |
| Peoples Bank & Trust Co. | 106 N Business Hwy 61 Bowling Green, MO 63334 | Full Service B&M | $19,498 |
| Peoples Bank & Trust Co. | 1310 North Main Street O'fallon, MO 63366 | Full Service B&M | $51,398 |
| Peoples Bank & Trust Co. | 430 East Wood Street Troy, MO 63379 | Full Service B&M | $212,160 |
| Peoples Bank & Trust Co. | 65 S Hwy 47 Hawk Point, MO 63349 | Full Service B&M | $37,053 |
For 2018, Peoples Bank & Trust Co. had 7 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $17,455 |
| Net interest income | $14,809 |
| Total noninterest income | $3,367 |
| Gross Fiduciary activities income | $14 |
| Service charges on deposit accounts | $1,289 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $2,064 |
| Pre-tax net operating income | $6,098 |
| Securities gains (or losses, -) | $166 |
| Income before extraordinary items | $6,264 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $6,264 |
| Minority interest net income | $0 |
| Net income | $6,264 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,098 |
Peoples Bank & Trust Co.'s gross interest income from loans was $17,455,000.
Peoples Bank & Trust Co.'s net interest income from loans was $14,809,000.
Peoples Bank & Trust Co.'s fee based income from loans was $1,289,000.
Peoples Bank & Trust Co.'s net income from loans was $6,264,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,646 |
| Provision for credit losses | $-750 |
| Total noninterest expense | $12,828 |
| Salaries and employee benefits | $7,649 |
| Premises and equipment expense | $1,132 |
| Additional noninterest expense | $4,047 |
| Applicable income taxes | $0 |
| Net charge-offs | $197 |
| Cash dividends | $5,650 |
Peoples Bank & Trust Co.'s interest expense for loans was $2,646,000.
Peoples Bank & Trust Co.'s payroll and benefits expense were $7,649,000.
Peoples Bank & Trust Co.'s property, plant and equipment expenses $1,132,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 2.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $406,532 |
| Deposits held in domestic offices | $406,532 |
| Deposits by Individuals, partnerships, and corporations | $323,850 |
| Deposits by U.S. Government | $1 |
| Deposits by States and political subdivisions in the U.S. | $75,298 |
| Deposits by Commercial banks and other depository institutions in U.S. | $7,382 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $200,351 |
| Demand deposits | $103,203 |
| Nontransaction accounts | $206,180 |
| Money market deposit accounts (MMDAs) | $64,743 |
| Other savings deposits (excluding MMDAs) | $59,324 |
| Total time deposits | $82,113 |
| Total time and savings deposits | $303,328 |
| Noninterest-bearing deposits | $88,673 |
| Interest-bearing deposits | $317,859 |
| Retail deposits | $398,717 |
| IRAs and Keogh plan accounts | $20,007 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $457,301 |
| Cash & Balances due from depository institutions | $18,947 |
| Interest-bearing balances | $7,224 |
| Total securities | $125,007 |
| Federal funds sold & reverse repurchase | $15,245 |
| Net loans and leases | $276,148 |
| Loan and leases loss allowance | $4,316 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,288 |
| Other real estate owned | $1,459 |
| Goodwill and other intangibles | $573 |
| All other assets | $14,634 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $457,301 |
| Total Liabilities | $413,818 |
| Total deposits | $406,532 |
| Interest-bearing deposits | $317,859 |
| Deposits held in domestic offices | $406,532 |
| % insured (estimated) | $75 |
| Federal funds purchased and repurchase agreements | $1,288 |
| Trading liabilities | $0 |
| Other borrowed funds | $5,000 |
| Subordinated debt | $0 |
| All other liabilities | $998 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $276,148 |
| Loan and leases loss allowance | $4,316 |
| Total loans and leases (domestic) | $280,464 |
| All real estate loans | $202,919 |
| Real estate loans in domestic offices | $202,919 |
| Construction and development loans | $26,278 |
| Residential 1-4 family construction | $9,545 |
| Other construction, all land development and other land | $16,733 |
| Loans secured by nonfarm nonresidential properties | $93,119 |
| Nonfarm nonresidential secured by owner-occupied properties | $77,666 |
| Commercial real estate & other non-farm, non-residential | $15,453 |
| Multifamily residential real estate | $7,463 |
| 1-4 family residential loans | $48,012 |
| Farmland loans | $28,047 |
| Loans held in foreign offices | $0 |
| Farm loans | $6,485 |
| Commercial and industrial loans | $49,751 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,462 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $378 |
| Other loans to individuals | $2,084 |
| All other loans & leases | $18,848 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $6,344 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,277 |
| Non 1-4 family restructured loans & leases | $1,830 |
| Total loans and leases (foreign) | $0 |
PEOPLES BANK & TRUST CO. had $276,148,000 of loans outstanding in 2018. $202,919,000 of loans were in real estate loans. $26,278,000 of loans were in development loans. $7,463,000 of loans were in multifamily mortgage loans. $48,012,000 of loans were in 1-4 family mortgage loans. $6,485,000 of loans were in farm loans. $0 of loans were in credit card loans. $378,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 213 | $48,846 | $229,324 |
| Nonfarm, nonresidential loans - <$100k | 85 | $3,559 | $41,871 |
| Nonfarm, nonresidential loans - $100-250k | 57 | $8,989 | $157,702 |
| Nonfarm, nonresidential loans - $250k-1MM | 71 | $36,298 | $511,239 |
| Commercial & Industrial, US addressed loans - <$1MM | 216 | $13,883 | $64,273 |
| Commercial & Industrial, US addressed loans - <$100k | 184 | $4,719 | $25,647 |
| Commercial & Industrial, US addressed loans - $100-250k | 20 | $2,869 | $143,450 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 12 | $6,295 | $524,583 |
| Farmland loans - <$1MM | 93 | $12,919 | $138,914 |
| Farmland loans - <$100k | 48 | $2,223 | $46,313 |
| Farmland loans - $100-250k | 31 | $5,292 | $170,710 |
| Farmland loans - $250k-1MM | 14 | $5,404 | $386,000 |
| Agriculture operations loans - <$1MM | 169 | $6,485 | $38,373 |
| Agriculture operations loans - <$100k | 155 | $3,254 | $20,994 |
| Agriculture operations loans - $100-250k | 8 | $1,225 | $153,125 |
| Agriculture operations loans - $250k-1MM | 6 | $2,006 | $334,333 |