🏦Bank Scorer

PEOPLES BANK AND TRUST COMPANY OF LINCOLN COUNTY

TROY, MO · Supervised by FDIC

Est. 1924FDIC #8,903RSSD: FDIC-8903
Part ofLINCOLN COUNTY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: August 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.56%

Institution Profile

FDIC BankFind

Website

pbtc.net

Address

430 E Wood St, TROY, MO

County

Lincoln County

Established

March 10, 1924

Total Assets

$905M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$905M

Total Deposits

$801M

Net Loans

$487M

Net Income

$4M

ROA

1.56%

ROE

18.70%

Risk-Based Capital

13.93%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$756M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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