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Peoples Bank and Trust Company

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

Designations: ✓ Community bank

Mcpherson, KS

21 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
  • Deposits +7.8% year over year ($1.4B on the books).
  • Delinquency rate 0.94%.
  • Return on assets 0.84%.
  • Efficiency ratio 52.18% vs a 59.73% peer average.
  • Loan-to-deposit ratio 75.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS
View $1B-$10B leaderboard (KS) →

Peoples Bank and Trust Company has 2 strengths but faces 3 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 0.07% above tier average
  • + Efficiency Ratio 7.54% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 33.3% in tier
  • - Credit Risk Growth: Bottom 37.8% in tier
  • - ROA 0.55% below tier average
Get updates when Peoples Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $1.6B
+3.8% YoY -0.5% QoQ
-$1.2B $2.8B
-0.6% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $1.1B
+3.0% YoY -1.0% QoQ
-$907.2M $2.0B
-0.3% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $1.4B
+7.8% YoY -0.6% QoQ
-$923.1M $2.3B
-0.5% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 0.84%
+1.7% YoY -34.4% QoQ
-0.55% 1.39%
+17.0% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 3.94%
+10.7% YoY +1.7% QoQ
+0.07% 3.87%
+6.2% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 52.18%
-12.1% YoY -1.5% QoQ
-7.54% 59.73%
-12.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.94%
+106.4% YoY -8.9% QoQ
+0.07% 0.87%
+11.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 75.66%
-4.4% YoY -0.4% QoQ
-9.37% 85.04%
-0.1% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
76%
Non-Interest-Bearing Deposit Share ? 16.48%
+3.2% YoY -2.5% QoQ
-4.79% 21.27%
-1.5% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.70%
+131.6% YoY +0.9% QoQ
+0.03% 0.67%
+11.7% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 11.05%
+9.7% YoY +1.1% QoQ
-3.80% 14.84%
-0.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.55%
+0.9% YoY +113.6% QoQ
+0.02% 0.53%
+2.5% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 16.5%
+0.5pp YoY
-0.4pp QoQ
 -4.9pp 21.4% 22.3% 22.2% 32%
Brokered Deposits 1.6%
-1.1pp YoY
0.0pp QoQ
 -7.9pp 9.5% 8.7% 8.5% 24%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 8.8%
-2.8pp YoY
-0.4pp QoQ
 -5.2pp 14.0% 12.6% 12.5% 38%
CRE 39.6%
+2.9pp YoY
-0.3pp QoQ
 -10.5pp 50.0% 28.8% 41.4% 24%
1-4 Family 26.5%
+3.2pp YoY
+1.1pp QoQ
 +0.1pp 26.4% 26.7% 31.3% 58%
Consumer 2.6%
-0.5pp YoY
-0.1pp QoQ
 -2.1pp 4.7% 4.6% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 11.1%
+1.0pp YoY
+0.1pp QoQ
 -4.5pp 15.6% 23.3% 19.7% 10%
Leverage Ratio 9.3%
+0.7pp YoY
+0.1pp QoQ
 -2.0pp 11.3% 12.6% 12.6% 18%
Total Capital Ratio 12.3%
+1.0pp YoY
+0.1pp QoQ
 -4.4pp 16.7% 24.4% 20.8% 13%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 239
+3 (+1.3%) YoY
+1 (+0.4%) QoQ
 -75 313 70 482 51%
Assets per Employee ($) $6.7M
+2.5% YoY
-0.9% QoQ
 -$3.8M $10.5M $7.1M $8.8M 20%
Branch Count 21
0 YoY
0 QoQ
 +1 20 6 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.2%
0.0pp YoY
+0.1pp QoQ
 +0.1pp 0.2% 0.4% 0.4% 89%
Nonaccrual 0.7%
+0.5pp YoY
-0.2pp QoQ
 -0.1pp 0.8% 0.8% 1.0% 62%
Allowance Coverage 1.89x
-39.4% YoY
+31.7% QoQ
 -16.82x 18.71x 22.44x 20.23x 46%
Net Charge-off Rate (YTD) 0.6%
+0.6pp YoY
+0.1pp QoQ
 +0.3pp 0.3% 0.1% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 9.0%
-1.4pp YoY
-4.8pp QoQ
 -3.6pp 12.6% 14.3% 11.6% 26%
Cost of Funds (YTD) 2.1%
-0.5pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.6% 1.7% 62%
Net Income ($, YTD) $6.7M
+20.2% YoY
— QoQ
 -$12.6M $19.2M $3.7M $40.4M 21%

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 (2)

Capital Thin

risk
#75 of 222 • Bottom 33.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.05%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Risk Growth

risk
#153 of 402 • Bottom 37.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

147
Non-Interest Income / Assets
revenue_mix
Value: 0.55%
Peer Median: 0.53%
#147 of 885 Top 16.5% in $1B-$10B
216
Loan-to-Deposit Ratio
liquidity
Value: 75.66%
Peer Median: 85.04%
#216 of 885 Top 24.3% in $1B-$10B

Top Weaknesses (2 metrics)

718
Tier 1 Capital Ratio
capital
Value: 11.05%
Peer Median: 14.84%
#718 of 885 Bottom 19.0% in $1B-$10B
710
Return on Assets
profitability
Value: 0.84%
Peer Median: 1.39%
#710 of 885 Bottom 19.9% in $1B-$10B
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