Applications / Mortgage Analytics / Lenders / Missouri / Peoples Bank & Trust Company
Troy, MO · State member bank · FRS · $914 million assets · 142 loans in 2025
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142
loans originated, 2025
191
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank & Trust Company makes small, plain loans: all conventional, smaller than at most similar banks, and many for home improvement, manufactured homes or other purposes.
Its typical loan was $125,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans), smaller than at more than eight in ten of them. Manufactured homes took 7.7% of its loans, against 2.4% at peers. Home improvement and other purposes together made up about a quarter. That mix may account for much of the difference in size.
Its loans fell to 142 from 152, while similar lenders grew 8%. It made 491 loans in 2020, its busiest year since at least 2018. It filed no report for 2021, a gap in the record rather than a year without lending. At this size, ten loans either way may mean only a handful of borrowers.
Low- and moderate-income (LMI) borrowers took 30.4% of its loans, up from 24.0% in 2024 and above its peers' 27.3%. But LMI neighborhoods took just 7.8%, against 16.7%, and majority-minority neighborhoods none. Its footprint may explain this: one metro and 16 counties of Missouri, including non-metro Missouri, where such neighborhoods may be few.
In St. Louis it ranks 130th of 637 lenders, with 0.1% of a $16.74B market, unchanged from 2024. Guild Mortgage Company leads there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Peoples Bank & Trust Company took 191 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.2% · Refinance 28.2% · Other 14.1% · Home improvement 10.6%
Conventional 100.0% · of 142 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 142 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 97 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900605M87QWWATV97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 909055 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38903 | 1994–1994 |
| Respondent ID (the HMDA filer code before 2018) | 2909055 | 1995–2017 |
Established 10 March 1924. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Peoples Bank & Trust Company's data.
Peoples Bank & Trust Company's data
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Peoples Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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