Have you ever wondered if your money could do more good right here at home? If you’re tired of feeling like just another number at a national bank, it might be time to see how a true community bank operates.

More and more folks are choosing community banks over national chains because they value real relationships, local reinvestment, and trustworthy advice from people who live where they do. Peoples Bank & Trust is proud to be one of those banks — helping communities like Bowling Green, Troy, Louisiana, Cottleville, Winfield, Hawk Point, Elsberry, and O’Fallon grow stronger every day.

So, let’s take a look at how banking locally really works.

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What a Community Bank Really Is

Community banks are local, independently owned, and focused on serving the people and businesses that make up their own neighborhoods. Unlike national megabanks that answer to distant shareholders, community banks like PB&T:

  • Reinvest deposits back into the local economy
  • Make decisions right here — not states away
  • Offer personal, one-on-one service
  • Understand your town’s unique needs — because we live here too!

Is a Community Bank Right for You?

Thinking of making the switch? Here are a few signs a local bank might be your best fit:

  • You want your banker to know your name — and your goals.
  • You’d rather see your money support local farms, businesses, and schools.
  • You like faster answers when you need a loan or financial help.
  • You care about how your bank shows up for your town.

If you nodded along, you’re not alone — more Missourians than ever are choosing community banks like PB&T for exactly these reasons.

Stop By a PB&T Branch Near You Today

5 Reasons People Choose PB&T Over Big Banks

1. You’re More Than a Number

We take the time to get to know you, your family, and your financial goals. We don’t shuffle you through a call center — you’ll always have a real person to talk to.

2. Your Money Stays Local

Every deposit here helps fund local families buying homes, businesses expanding, or students heading to college.

3. Decisions Happen Here — Not in a Boardroom Far Away

We know the local market, farming seasons, small business cycles, and community needs. That’s why you’ll get answers faster.

4. Service that Grows with You

We love helping kids open their first account, students apply for the PB&T Scholarship, or small business owners get the right loan. We’re here for every life stage.

5. We Give Back Year-Round

PB&T proudly sponsors local events, supports area schools, and invests directly in the next generation through our annual PB&T Scholarship, helping local students reach their goals.

How PB&T Gives Back to Your Community

We don’t just talk about community... we show up for it! Every year, PB&T team members volunteer time and resources to local causes across our communities.

A few ways we invest in local success:

  • Helping students pursue higher education with local scholarships.
  • Supporting community youth programs, first responders, and hometown events.
  • Rolling up our sleeves to serve meals, host community fundraisers, and pitch in where it counts.

Why It All Comes Down to Trust

When you choose a bank, you’re choosing a partner for your future. At PB&T, you can count on:

  • Honest, local financial guidance
  • Personal relationships that last
  • Real people ready to help when you need them
  • A team that believes strong towns start with strong neighbors

Ready to see what a real community bank can do for you?

Visit your nearest PB&T branch or contact us to get started.

Visit a PB&T Near You Today

Peoples Bank & Trust Co.
Member FDIC, Equal Housing Lender
NMLS #407724