Peoples Bank & Trust Company
Manchester, TN · Cert 1475 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Peoples Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$168.6MAssets
$115.2MLoans
$142.6MDeposits
$24.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks under $1B in assets operating in a single state (rank 56 of 746).
- Widest gap: net charge-offs / loans trails 57% of banks under $1B in assets operating in a single state (rank 425 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.77%
Rank 94 of 746
Net Interest Margin
4.73%
Rank 56 of 746
Efficiency Ratio
52.29%
Rank 139 of 746
Equity / Assets
14.43%
Rank 118 of 746
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.72% | 1.06% | 1.45% | Beats 87% | 94 / 746 | |
| Return on Equity | 12.29% | 6.74% | 10.51% | 13.63% | Beats 66% | 255 / 746 | |
| Net Interest Margin | 4.73% | 3.17% | 3.68% | 4.16% | Beats 92% | 56 / 746 | |
| Efficiency Ratio | 52.29% | 55.74% | 64.58% | 75.47% | Beats 82% | 139 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.42% | 1.07% | Beats 81% | 141 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 43% | 425 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.70% | 11.55% | 13.75% | 17.60% | Beats 58% | 314 / 746 | |
| Total Risk-Based Capital Ratio | 14.70% | 11.71% | 14.33% | 18.43% | Beats 52% | 356 / 746 | |
| Equity / Assets | 14.43% | 8.90% | 10.51% | 13.06% | Beats 84% | 118 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 80.78% | 61.31% | 78.27% | 90.78% | 55th pctl | 335 / 746 | |
| Loans / Assets | 68.32% | 53.60% | 66.97% | 76.08% | 53rd pctl | 348 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |