Peoples Bank & Trust Company
Manchester, TN · Cert 1475 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 60 of 752).
- Widest gap: net charge-offs / loans trails 56% of banks under $1B in assets operating in a single state (rank 419 of 748).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.77%
Rank 95 of 752
Net Interest Margin
4.73%
Rank 60 of 752
Efficiency Ratio
52.29%
Rank 140 of 752
Equity / Assets
14.43%
Rank 125 of 752
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.72% | 1.07% | 1.45% | Beats 87% | 95 / 752 | | |
| Return on Equity | 12.29% | 6.78% | 10.58% | 13.65% | Beats 66% | 259 / 752 | | |
| Net Interest Margin | 4.73% | 3.18% | 3.69% | 4.17% | Beats 92% | 60 / 752 | | |
| Efficiency Ratio | 52.29% | 55.75% | 64.49% | 75.47% | Beats 82% | 140 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.42% | 1.03% | Beats 82% | 139 / 748 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 419 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 14.70% | 11.55% | 13.75% | 17.60% | Beats 58% | 314 / 752 | | |
| Total Risk-Based Capital Ratio | 14.70% | 11.70% | 14.33% | 18.47% | Beats 53% | 357 / 752 | | |
| Equity / Assets | 14.43% | 8.93% | 10.56% | 13.13% | Beats 83% | 125 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.78% | 62.23% | 78.64% | 91.26% | 54th pctl | 346 / 752 | | |
| Loans / Assets | 68.32% | 54.61% | 67.41% | 76.47% | 52nd pctl | 358 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |