Peoples Bank and Trust Company
McPherson, KS · Cert 1365 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · PBT Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
$1.6BAssets
$1.1BLoans
$1.4BDeposits
$149.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 65% of banks $1B-$10B in assets operating in a single state (rank 90 of 257).
- Widest gap: net charge-offs / loans trails 94% of banks $1B-$10B in assets operating in a single state (rank 244 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.84%
Rank 208 of 258
Net Interest Margin
3.60%
Rank 108 of 258
Efficiency Ratio
54.87%
Rank 90 of 257
Equity / Assets
9.39%
Rank 178 of 258
Non-interest income vs. expense
Unfavorable gap of $23.2M · efficiency ratio beats 65% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.93% | 1.23% | 1.54% | Beats 19% | 208 / 258 | |
| Return on Equity | 8.91% | 9.26% | 11.84% | 14.74% | Beats 22% | 200 / 258 | |
| Net Interest Margin | 3.60% | 3.16% | 3.49% | 3.88% | Beats 58% | 108 / 258 | |
| Efficiency Ratio | 54.87% | 51.71% | 60.30% | 69.65% | Beats 65% | 90 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.19% | 0.46% | 0.90% | Beats 25% | 195 / 258 | |
| Net Charge-Offs / Loans | 0.34% | 0.01% | 0.02% | 0.07% | Beats 6% | 244 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.05% | 11.41% | 12.98% | 15.12% | Beats 22% | 201 / 258 | |
| Total Risk-Based Capital Ratio | 12.30% | 12.10% | 13.91% | 16.08% | Beats 29% | 183 / 258 | |
| Equity / Assets | 9.39% | 9.09% | 10.24% | 11.72% | Beats 31% | 178 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 77.00% | 73.24% | 86.34% | 95.95% | 32nd pctl | 175 / 258 | |
| Loans / Assets | 67.52% | 63.01% | 72.27% | 78.40% | 33rd pctl | 173 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |