Peoples Bank & Trust Co

Name

Peoples Bank & Trust Co

Legal name

Peoples Bank & Trust Co.

Website

https://pbtc.net

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

101–250 employees

Short description

Peoples Bank & Trust Co is a privately held community bank founded in 1924 in Troy, Missouri, operating nine branches across Lincoln, St. Charles, and Pike counties to serve retail consumers, small-to-mid-sized businesses, agricultural customers, and wealth management clients.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking services
• Personal banking products
• Business lending services
• Agricultural financing
• Trust and estate services

Headquarters

HQ city

Troy

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Loans: Traditional banking revenue from interest earned on loan products including home loans, personal loans, business loans, and agricultural loans. Interest rates vary by product type and borrower qualifications.
2. Deposit Interest Payments: Interest paid to depositors on checking, savings, CDs, and IRA accounts. The bank offers interest-bearing accounts including Peoples Reward Checking which pays interest on account balances.
3. Banking Service Fees: Fees for various banking services including account maintenance, ATM usage, wire transfers, overdraft protection, and other transaction-based services.
4. Business Banking Services: Revenue from business deposit accounts, merchant processing services, cash management, remote deposit capture, and business lending products.
5. Trust Services: Wealth management and trust services offered to customers for estate planning, trust administration, and fiduciary services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Peoples Bank & Trust is a community bank providing personal and business deposit accounts (checking, savings, CDs, IRAs), consumer and commercial loan products (home loans, personal loans, business loans, agricultural loans), trust and estate services, and merchant processing solutions across nine branches in eastern Missouri. The bank complements its physical distribution with a digital banking platform and mobile application supporting mobile check deposit, person-to-peer payments, and credit score monitoring.

Product overview

Peoples Bank & Trust is a community bank serving Lincoln, St. Charles, and Pike County, Missouri with a comprehensive suite of banking products. The core product portfolio includes personal and business deposit accounts (checking and savings), various loan products (home mortgages, personal loans, business loans, and agricultural loans), and trust services. Digital banking is delivered through Online Banking, Mobile Banking, and My Money Manager (a built-in budgeting tool). Business services include Merchant Processing, Cash Management, Remote Deposit Capture, and Business Online Banking. The bank also offers mobile wallet integration with Apple Pay, Samsung Pay, and Google Pay (launched June 2026), as well as person-to-person payment capabilities. As of 2026, the bank completed a major system enhancement upgrading their entire digital banking platform with new features including customizable debit card limits, credit score monitoring, and enhanced account management tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Peoples Reward Checking Interest-bearing personal checking account that earns interest on the account balance and provides ATM fee refunds when the account is used regularly. Designed for individual consumers seeking everyday banking with value-added interest and fee relief.
• Savings, CDs and IRAs Savings accounts, certificates of deposit (CDs), and Individual Retirement Accounts (IRAs) for various long-term financial goals and retirement planning, offered to individual consumers.
• Debit Cards Contactless tap-to-pay debit cards with enhanced security features and customizable spending limits via the mobile app, available to consumer account holders.
• Credit Cards Personal credit cards offered to consumer banking customers as part of the bank's personal banking suite.
• Wires (Personal and Business) Wire transfer services for personal and business customers to send and receive domestic wires.
• Trust Services Estate planning and trust management services for individuals and families, providing professional management of assets and inheritance planning through the bank's trust department.
• Online Banking 24/7 self-service online banking platform providing account access, bill pay, transfers between accounts, loan payments, eStatements, and customizable account alerts for consumer and business customers.
• Mobile Banking Mobile application for iOS and Android providing on-the-go account access, mobile check deposit, person-to-person payments, branch/ATM locator, debit card management, and biometric authentication.
• Home Loans Mortgage and home financing products for purchasing or refinancing residential property with local decision-making based on regional context and borrower situations.
• Personal Loans Unsecured consumer loans for purposes including debt consolidation, home improvement, medical expenses, vacation, education, business expenses, and major purchases.
• Business Deposit Accounts Business checking and savings accounts designed specifically for business banking needs with features supporting business financial management, offered to local small and mid-sized businesses.
• Business Online Banking Digital banking platform for business customers providing account management, transaction capabilities, and financial tools specific to business needs.
• Merchant Processing Payment processing solutions enabling businesses to accept credit and debit card transactions from their customers.
• Cash Management Financial tools and services for businesses to manage liquidity, optimize cash flow, and streamline financial operations.
• Remote Deposit Capture Electronic check deposit solution allowing business customers to deposit checks remotely by scanning them through the mobile banking app.
• Business Loans Commercial lending solutions designed to support business growth, expansion, and operational needs with relationship-based service tailored to business cash flow patterns.
• Ag Loans Specialized agricultural financing for farm operations, equipment purchases, and land acquisitions serving the farming community in the bank's service area.
• Business Credit Cards Business credit cards offered to business banking customers for operational spending needs.

Quantifiable outcome

• Over $1 million in scholarships awarded to local high school seniors since 2000
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Hawthorn Bank: Missouri-based community bank with comparable branch footprint and similar mix of personal, business, and ag lending. Closest peer in scale, geography, and product set to Peoples Bank & Trust.
• Bank of Missouri: Community bank headquartered in Perryville, MO with branch presence across rural and suburban Missouri. Offers a comparable mix of consumer, business, and ag lending products to similar customer segments.
• Lindell Bank & Trust Company: St. Louis-area community bank focused on relationship banking, personal and business banking services. Comparable community-banking model with trust services in a similar Missouri market.
• Great Southern Bank: Mid-size Missouri community bank (headquartered in Springfield) with retail, business banking, and mortgage lending focus. Similar community-bank DNA and product mix at slightly larger scale.
• First State Community Bank: Missouri community bank serving rural and suburban markets with personal, business, and ag lending. Highly comparable in scale, geography, and customer profile to Peoples Bank & Trust.
• Equity Bank: Midwest community bank with branches across Missouri, Kansas, and Oklahoma offering personal, business, and ag lending. Closely comparable in scale, multi-county Missouri presence, and product mix.
• QCR Holdings (Spring Bank, Cedar Rapids Bank): Multi-bank community bank holding company in the Midwest with subsidiary community banks offering consumer, business, and ag lending. Directly comparable holding-company structure to Lincoln County Bancorp.

Broad incumbents

• Commerce Bank: Large Missouri-headquartered bank with comprehensive retail, business, wealth, and trust services. Competes in the same Missouri markets but operates at much larger scale with broader geographic reach.
• Simmons Bank: Arkansas-based regional bank with significant Missouri presence including consumer, business, and ag lending. Larger scale but overlapping service territory and product offerings in eastern Missouri.
• Cadence Bank: Regional bank with operations across the South and Midwest including commercial, consumer, and ag lending. Larger scale but competes for similar small-business and consumer customers in Missouri-adjacent markets.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/peoplesbankandtrust
• Xx.com/peoplebanktrust
• LinkedInlinkedin.com/company/peoplesbankandtrust

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Peoples Bank & Trust Co