Peoples Bank & Trust Company
Ryan, OK · Cert 2331 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 2 branches
Q2 2026
$61.9MAssets
$44.1MLoans
$49.2MDeposits
$9.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 89% of banks under $1B in assets in OK (rank 10 of 89).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in OK (rank 88 of 88).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-1.13%
Rank 87 of 89
Net Interest Margin
3.57%
Rank 65 of 89
Efficiency Ratio
142.21%
Rank 88 of 89
Equity / Assets
15.48%
Rank 10 of 89
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 2% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.13% | 0.85% | 1.26% | 1.60% | Beats 2% | 87 / 89 | | |
| Return on Equity | -7.31% | 7.40% | 11.89% | 14.65% | Beats 2% | 87 / 89 | | |
| Net Interest Margin | 3.57% | 3.46% | 3.93% | 4.45% | Beats 27% | 65 / 89 | | |
| Efficiency Ratio | 142.21% | 54.70% | 60.95% | 71.14% | Beats 2% | 88 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 10.85% | 0.30% | 0.82% | 2.25% | Beats 1% | 88 / 88 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 59% | 37 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 14.00% | 10.89% | 13.00% | 16.33% | Beats 64% | 32 / 89 | | |
| Total Risk-Based Capital Ratio | 15.27% | 11.20% | 13.06% | 16.33% | Beats 66% | 30 / 89 | | |
| Equity / Assets | 15.48% | 9.26% | 10.94% | 13.52% | Beats 89% | 10 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.60% | 61.51% | 72.27% | 84.01% | 85th pctl | 13 / 88 | | |
| Loans / Assets | 71.22% | 52.51% | 63.15% | 71.27% | 73rd pctl | 24 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |