Peoples Bank & Trust Co. Mortgage Rates, Fees & Info
Troy, MOLEI: 254900605M87QWWATV97
Tax ID: 43-0453380
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Bank Data
Review & Overview
Peoples Bank & Trust Co. is a smaller bank specializing in various types of mortgages.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
0Origination Dollar Volume (All Markets)
$0Employee count
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Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Closing on a mortgage | 2 | 15.4% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Struggling to pay mortgage | 2 | 15.4% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Conventional home mortgage | Trouble during payment process | 4 | 30.8% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Home equity loan or line of credit (HELOC) | Trouble during payment process | 2 | 15.4% |
| PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION | Other type of mortgage | Trouble during payment process | 3 | 23.1% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Peoples Bank & Trust Co. | #9 Troy Square Troy, MO 63379 | Full Service B&M | $16,541 |
| Peoples Bank & Trust Co. | 103 Pine Street Winfield, MO 63389 | Full Service B&M | $36,748 |
| Peoples Bank & Trust Co. | 105 South Main Street Elsberry, MO 63343 | Full Service B&M | $17,857 |
| Peoples Bank & Trust Co. | 106 N Business Hwy 61 Bowling Green, MO 63334 | Full Service B&M | $28,016 |
| Peoples Bank & Trust Co. | 1310 North Main Street O'fallon, MO 63366 | Full Service B&M | $76,184 |
| Peoples Bank & Trust Co. | 1497 Cottleville Parkway Cottleville, MO 63376 | Full Service B&M | $47,684 |
| Peoples Bank & Trust Co. | 430 East Wood Street Troy, MO 63379 | Full Service B&M | $341,691 |
| Peoples Bank & Trust Co. | 65 S Hwy 47 Hawk Point, MO 63349 | Full Service B&M | $46,345 |
For 2021, Peoples Bank & Trust Co. had 8 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $21,935 |
| Net interest income | $19,190 |
| Total noninterest income | $4,678 |
| Gross Fiduciary activities income | $21 |
| Service charges on deposit accounts | $976 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $3,681 |
| Pre-tax net operating income | $8,059 |
| Securities gains (or losses, -) | $340 |
| Income before extraordinary items | $8,399 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $8,399 |
| Minority interest net income | $0 |
| Net income | $8,399 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $8,059 |
Peoples Bank & Trust Co.'s gross interest income from loans was $21,935,000.
Peoples Bank & Trust Co.'s net interest income from loans was $19,190,000.
Peoples Bank & Trust Co.'s fee based income from loans was $976,000.
Peoples Bank & Trust Co.'s net income from loans was $8,399,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,745 |
| Provision for credit losses | $-206 |
| Total noninterest expense | $16,015 |
| Salaries and employee benefits | $9,032 |
| Premises and equipment expense | $1,973 |
| Additional noninterest expense | $5,010 |
| Applicable income taxes | $0 |
| Net charge-offs | $-335 |
| Cash dividends | $2,400 |
Peoples Bank & Trust Co.'s interest expense for loans was $2,745,000.
Peoples Bank & Trust Co.'s payroll and benefits expense were $9,032,000.
Peoples Bank & Trust Co.'s property, plant and equipment expenses $1,973,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| 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 | $688,994 |
| Deposits held in domestic offices | $688,994 |
| Deposits by Individuals, partnerships, and corporations | $525,483 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $163,013 |
| Deposits by Commercial banks and other depository institutions in U.S. | $498 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $335,751 |
| Demand deposits | $173,526 |
| Nontransaction accounts | $353,243 |
| Money market deposit accounts (MMDAs) | $157,867 |
| Other savings deposits (excluding MMDAs) | $107,707 |
| Total time deposits | $87,669 |
| Total time and savings deposits | $515,468 |
| Noninterest-bearing deposits | $151,246 |
| Interest-bearing deposits | $537,748 |
| Retail deposits | $679,250 |
| IRAs and Keogh plan accounts | $21,229 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $766,690 |
| Cash & Balances due from depository institutions | $62,640 |
| Interest-bearing balances | $52,690 |
| Total securities | $330,204 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $336,917 |
| Loan and leases loss allowance | $5,686 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $11,826 |
| Other real estate owned | $162 |
| Goodwill and other intangibles | $1,134 |
| All other assets | $23,807 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $766,690 |
| Total Liabilities | $693,389 |
| Total deposits | $688,994 |
| Interest-bearing deposits | $537,748 |
| Deposits held in domestic offices | $688,994 |
| % insured (estimated) | $69 |
| Federal funds purchased and repurchase agreements | $2,900 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $1,495 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $336,917 |
| Loan and leases loss allowance | $5,686 |
| Total loans and leases (domestic) | $342,603 |
| All real estate loans | $285,370 |
| Real estate loans in domestic offices | $285,370 |
| Construction and development loans | $41,237 |
| Residential 1-4 family construction | $12,678 |
| Other construction, all land development and other land | $28,559 |
| Loans secured by nonfarm nonresidential properties | $150,893 |
| Nonfarm nonresidential secured by owner-occupied properties | $103,147 |
| Commercial real estate & other non-farm, non-residential | $47,746 |
| Multifamily residential real estate | $11,025 |
| 1-4 family residential loans | $50,721 |
| Farmland loans | $31,494 |
| Loans held in foreign offices | $0 |
| Farm loans | $2,630 |
| Commercial and industrial loans | $28,758 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $9,112 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $627 |
| Other loans to individuals | $8,485 |
| All other loans & leases | $16,733 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $5,489 |
| 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 | $881 |
| Non 1-4 family restructured loans & leases | $458 |
| Total loans and leases (foreign) | $0 |
PEOPLES BANK & TRUST CO. had $336,917,000 of loans outstanding in 2021. $285,370,000 of loans were in real estate loans. $41,237,000 of loans were in development loans. $11,025,000 of loans were in multifamily mortgage loans. $50,721,000 of loans were in 1-4 family mortgage loans. $2,630,000 of loans were in farm loans. $0 of loans were in credit card loans. $627,000 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 | 247 | $51,618 | $208,980 |
| Nonfarm, nonresidential loans - <$100k | 105 | $4,549 | $43,324 |
| Nonfarm, nonresidential loans - $100-250k | 72 | $11,469 | $159,292 |
| Nonfarm, nonresidential loans - $250k-1MM | 70 | $35,600 | $508,571 |
| Commercial & Industrial, US addressed loans - <$1MM | 247 | $17,290 | $70,000 |
| Commercial & Industrial, US addressed loans - <$100k | 206 | $5,752 | $27,922 |
| Commercial & Industrial, US addressed loans - $100-250k | 29 | $4,670 | $161,034 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 12 | $6,868 | $572,333 |
| Farmland loans - <$1MM | 100 | $13,574 | $135,740 |
| Farmland loans - <$100k | 51 | $2,026 | $39,725 |
| Farmland loans - $100-250k | 32 | $5,282 | $165,063 |
| Farmland loans - $250k-1MM | 17 | $6,266 | $368,588 |
| Agriculture operations loans - <$1MM | 88 | $2,067 | $23,489 |
| Agriculture operations loans - <$100k | 84 | $1,427 | $16,988 |
| Agriculture operations loans - $100-250k | 4 | $640 | $160,000 |