US Bank Directory
Banks in Troy, MO
6 FDIC-insured banks operate 8 offices in Troy, Missouri, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Troy
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 7 banks and credit unions operate 9 locations in Troy, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Troy
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Peoples Bank & Trust Co. has the most locations in Troy, with 3. The other 5 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Peoples Bank & Trust Co. Bank · 3
Peoples Bank & Trust Co. has 3 branches in Troy, 10 across Missouri and 10 nationwide. FDIC records list its main office in Troy, MO and show it operating since 1924. With $908.3 million in total assets on June 30, 2026, it ranks No. 1,140 of 4,232 U.S. banks by total assets. Its main office at 430 E Wood St dates to 1924 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office430 E Wood St, 63379
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Troy Square Branch#9 Troy Square, 63379
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Peoples Bank & Trust Co. Mobile Unit Branch430 E Wood St, 63379
Community State Bank of Missouri Bank · 1
Community State Bank of Missouri has 1 branch in Troy, 3 across Missouri and 3 nationwide. FDIC records list its main office in Bowling Green, MO and show it operating since 1887. With $333.9 million in total assets on June 30, 2026, it ranks No. 2,330 of 4,232 U.S. banks by total assets. The Troy Branch at 101 Community Bank Plz dates to 1998 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Troy Branch101 Community Bank Plz, 63379
HNB National Bank Bank · 1
HNB National Bank has 1 branch in Troy, 17 across Missouri and 17 nationwide. FDIC records list its main office in Hannibal, MO and show it operating since 1888. With $1.31 billion in total assets on June 30, 2026, it ranks No. 842 of 4,232 U.S. banks by total assets. The Hnb Bank Branch at 114 N Lincoln Dr dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Hnb Bank Branch114 N Lincoln Dr, 63379
PSB Bank Bank · 1
PSB Bank has 1 branch in Troy, 18 across Missouri and 15 nationwide. FDIC records list its main office in Rhineland, MO and show it operating since 1935. With $854.5 million in total assets on June 30, 2026, it ranks No. 1,193 of 4,232 U.S. banks by total assets. The Troy Branch at 115 N Lincoln Dr dates to 2000 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Troy Branch115 N Lincoln Dr, 63379
The Bank of Old Monroe Bank · 1
The Bank of Old Monroe has 1 branch in Troy, 5 across Missouri and 5 nationwide. FDIC records list its main office in Old Monroe, MO and show it operating since 1906. With $994.6 million in total assets on June 30, 2026, it ranks No. 1,051 of 4,232 U.S. banks by total assets. The Troy Branch at 100 Market Place Dr dates to 2016 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Troy Branch100 Market Place Dr, 63379
U.S. Bank Bank · 1
U.S. Bank has 1 branch in Troy, 129 across Missouri and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. The Troy Branch at 100 N Lincoln Dr dates to 1907 in FDIC branch records. Its published hours do not list Saturday.
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Troy Branch100 N Lincoln Dr, 63379
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
United Credit Union Credit union · 1
United Credit Union has 1 office in Troy, 8 across Missouri. It is based in Mexico, MO and $303.7 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Troy Branch200 Main St, 63379
All hours
Mon to Thu not published; Fri 8:30 am to 5 pm; Sat 9 am to 6 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Troy
1 credit union has 1 office here: United Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Troy page has every office in the state's directory.
Banking in Troy: the local picture
Short answer: 6 banks run 8 branches in Troy according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 6 banks, 1 has its main office in Troy, 4 elsewhere in Missouri and 1 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is U.S. Bank's office at 100 N Lincoln Dr, dating to 1907; the newest is Peoples Bank & Trust Co.'s at 430 E Wood St, from 2025.
The only credit union with an office here is United Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 7 locations have no published hours in these sources.
Credit unions open on Saturday in Troy
Short answer: 1 of the 2 Troy locations with published hours opens on Saturday, run by 1 institution.
- United Credit Union: 1 of 1 office (200 Main St: Saturday 9 am to 6 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 7 of the 9 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Troy, and where the nearest one is if they do not.
Short answer: In Troy: U.S. Bank (1). No branches in Troy: Chase (nearest in Wentzville, 13 mi), Wells Fargo (nearest in Saint Louis, 48 mi), Bank of America (nearest in Wentzville, 13 mi), PNC Bank (nearest in Wentzville, 13 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Louis, 41 mi), Regions Bank (nearest in Wentzville, 13 mi), TD Bank, BMO (nearest in O Fallon, 20 mi).
| Bank | In Troy | Nearest branch if none here |
|---|---|---|
| U.S. Bank | 1 branch | here |
| Chase | None | Wentzville, 13 miles away |
| Wells Fargo | None | Saint Louis, 48 miles away |
| Bank of America | None | Wentzville, 13 miles away |
| PNC Bank | None | Wentzville, 13 miles away |
| Truist | None | none in Missouri |
| Fifth Third Bank | None | none in Missouri |
| Huntington | None | Saint Louis, 41 miles away |
| Regions Bank | None | Wentzville, 13 miles away |
| TD Bank | None | none in Missouri |
| BMO | None | O Fallon, 20 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Troy to the nearest branch in Missouri.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Troy residents like anyone else.
Banks near Troy
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Wright City (11 miles) and Winfield (12 miles). O Fallon, 20 miles away, has the most banks nearby: 22.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Wright City, MO | 11 mi | 3 | 3 |
| Banks in Winfield, MO | 12 mi | 2 | 2 |
| Banks in Wentzville, MO | 13 mi | 12 | 12 |
| Banks in Warrenton, MO | 15 mi | 6 | 7 |
| Banks in Elsberry, MO | 16 mi | 2 | 2 |
| Banks in Lake Saint Louis, MO | 17 mi | 8 | 9 |
| Banks in Dardenne Prairie, MO | 20 mi | 2 | 2 |
| Banks in O Fallon, MO | 20 mi | 22 | 27 |
Bank branch openings and closings in Troy
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 1 branch opening in Troy between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Sep 19, 2025 | Opened | Peoples Bank & Trust Co. | 430 E Wood St, 63379 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Troy
Short answer: 1 institution has its main office in Troy: Peoples Bank & Trust Co..
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Peoples Bank & Trust Co. | Bank | $908.3 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Troy by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Troy offices.
Short answer: U.S. Bank is the largest bank with offices in Troy, with $705.55 billion in total assets on June 30, 2026, No. 6 among U.S. banks by total assets. HNB National Bank is second with $1.31 billion. 1 of the 6 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| U.S. Bank | $705.55 billion | No. 6 | 1 | Cincinnati, OH |
| HNB National Bank | $1.31 billion | No. 842 | 1 | Hannibal, MO |
| The Bank of Old Monroe | $994.6 million | No. 1,051 | 1 | Old Monroe, MO |
| Peoples Bank & Trust Co. | $908.3 million | No. 1,140 | 3 | Troy, MO |
| PSB Bank | $854.5 million | No. 1,193 | 1 | Rhineland, MO |
| Community State Bank of Missouri | $333.9 million | No. 2,330 | 1 | Bowling Green, MO |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Troy: FAQ
How many banks are in Troy, MO?
Troy has 6 banks with 8 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Troy?
Peoples Bank & Trust Co., with 3. U.S. Bank has 1 and HNB National Bank has 1.
Is there a Peoples Bank & Trust Co. in Troy, MO?
Yes. FDIC data lists 3 Peoples Bank & Trust Co. branches in Troy as of September 5, 2026, the main office at 430 E Wood St. Its branches are listed under Peoples Bank & Trust Co. above, with the address and directions for each.
Is there a U.S. Bank in Troy, MO?
Yes. FDIC data lists 1 U.S. Bank branch in Troy as of September 5, 2026. The address and directions are under U.S. Bank above.
Is there a HNB National Bank in Troy, MO?
Yes. FDIC data lists 1 HNB National Bank branch in Troy as of September 5, 2026. The address and directions are under HNB National Bank above.
Is there a Chase in Troy, MO?
No. FDIC data lists no Chase branch in Troy as of September 5, 2026. The nearest is in Wentzville, about 13 miles away in a straight line.
Which banks in Troy are open on Saturday?
United Credit Union publishes Saturday hours for one or more Troy locations. The Saturday section above lists each one with its hours. 7 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Troy?
Peoples Bank & Trust Co. has its main office in Troy, according to the FDIC.
What is the oldest bank in Troy?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Troy?
United Credit Union has an office in Troy. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Troy in the past year?
FDIC branch records show 1 branch opening between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Troy?
Nearby cities with more banks include Wright City, Winfield, Wentzville. Wright City is 11 miles away with 3 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (1 of 8 branches: U.S. Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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