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Peoples Bank & Trust Company

Ryan, OK · Cert 2331

State charter, non-member · FDIC · 2 branches

Q2 2026

$61.9MAssets
$44.1MLoans
$49.2MDeposits
$9.6MEquity
Loan mix
80%RE $22.8M19%C&I $5.3M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $42.2M14%Noninterest $7.0MQ2 2025Q2 2026

NIM

7.21%Q2 ’245.62%Q2 ’255.80%Q2 ’26-35%+14%

Non-interest income vs. expense

5.05%Q2 ’244.73%Q2 ’254.97%Q2 ’26-43%0%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #65 of 71 inst. · $0.0B of $60.8B

0.1% Oklahoma
9.5% Jefferson

Executive Summary

  • Earnings: ROA of -1.99%, up 24 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 10.85% of loans (+522 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 14.36%, down 145 bps from a year ago.
  • Funding: loans stand at 89.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.99%+24 bps YoY

Net Interest Margin (quarter, annualized)

3.77%+45 bps YoY

Efficiency Ratio (quarter, annualized)

161.76%-2,948 bps YoY

Tier 1 Leverage Ratio

14.36%-145 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.24%0.04%-2.26%-0.57%-1.99%+24 bps
Return on Equity-12.77%0.19%-10.84%-2.96%-11.78%+99 bps
Net Interest Margin3.32%-4.21%3.62%3.83%3.77%+45 bps
Efficiency Ratio191.24%102.77%186.26%122.62%161.76%-2,948 bps
Non-Interest Burden5.54%-5.45%6.48%4.51%5.53%-1 bps
Growth
Asset Growth (YoY)1.21%7.21%11.25%11.35%40.35%+3,914 bps
Loan Growth (YoY)-1.58%20.59%13.00%22.52%70.97%+7,255 bps
Deposit Growth (YoY)4.19%3.61%14.30%7.83%45.65%+4,146 bps
Asset Quality
Nonperforming Loans / Loans5.63%4.48%9.58%10.82%10.85%+522 bps
Net Charge-Offs / Loans0.00%-0.63%0.00%0.05%-0.05%-5 bps
Allowance / Loans1.24%1.65%1.63%1.60%3.23%+199 bps
Allowance Coverage of NPLs0.2x0.4x0.2x0.1x0.3x+0.1x
Capital
Tier 1 Leverage Ratio15.81%19.41%18.18%17.16%14.36%-145 bps
Total Risk-Based Capital24.17%25.08%23.29%19.63%15.27%-890 bps
Equity / Assets16.81%21.52%20.25%18.66%15.48%-133 bps
Liquidity & Funding
Loans / Deposits76.33%96.91%90.54%88.49%89.60%+1,327 bps
Liquid Assets / Assets10.43%10.16%3.43%7.19%11.84%+141 bps
CRE / Total Capitaln/a248%261%266%n/an/a