BlastPoint's Banking Scorecard

Peoples Bank and Trust Company

$1B-$10B Specialty: Commercial KS FDIC cert 1365

Designations: ✓ Community bank

Mcpherson, KS

21 branches across KS

884 banks in the $1B-$10B peer group nationally 20 in KS

Peoples Bank and Trust Company has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.05% above tier average
+ Efficiency Ratio 8.06% below tier average

Key Concerns

Areas that may need attention

- ROA 0.09% below tier average
- Delinquency Rate 0.14% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$1.6B +27.3% YoY +1.3% QoQ	-$1.2B	$2.8B -0.1% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$1.1B +30.0% YoY +0.9% QoQ	-$898.3M	$2.0B +0.6% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$1.4B +36.3% YoY +4.7% QoQ	-$939.8M	$2.3B -0.3% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	1.27% +17.0% YoY +14.3% QoQ	-0.09%	1.37% +19.6% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	3.87% +15.2% YoY +4.2% QoQ	+0.05%	3.82% +6.9% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	53.00% -12.1% YoY -7.6% QoQ	-8.06%	61.06% -4.6% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	1.03% +100.9% YoY +10.9% QoQ	+0.14%	0.89% +14.1% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	75.99% -4.6% YoY -3.6% QoQ	-8.22%	84.20% +0.3% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	16.90% +5.1% YoY +4.9% QoQ	-4.39%	21.29% -2.5% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.70% +108.3% YoY +12.3% QoQ	+0.02%	0.67% +15.6% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	31%
Tier 1 Capital Ratio ?	10.93% -0.9% YoY +3.2% QoQ	-4.23%	15.16% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.26% -11.2% YoY -76.4% QoQ	+0.00%	0.26% +1.6% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

166

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.26%

#166 of 884 Top 18.7% in $1B-$10B

Top Weaknesses (1 metrics)

743

Tier 1 Capital Ratio

capital

Value: 10.93%

Peer Median: 15.16%

#743 of 884 Bottom 16.1% in $1B-$10B