BlastPoint's Banking Scorecard
Peoples Bank & Trust Company
Manchester, TN
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits -1.6% year over year ($142.6M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.76%.
- Efficiency ratio 52.29% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank & Trust Company demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 26.6% in tier
- + ROA 0.43% above tier average
- + Efficiency Ratio 12.19% below tier average
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$168.6M
+0.4% YoY
-1.1% QoQ
|
-$218.0M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$113.5M
+5.9% YoY
+0.7% QoQ
|
-$144.8M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$142.6M
-1.6% YoY
-1.6% QoQ
|
-$184.2M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.76%
-0.7% YoY
+4.3% QoQ
|
+0.43% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
5.04%
+0.8% YoY
+3.8% QoQ
|
+1.05% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Top 7.5% in tier |
| Efficiency Ratio ? |
52.29%
+1.2% YoY
-0.6% QoQ
|
-12.19% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.02%
-89.8% YoY
+26.4% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
79.62%
+7.6% YoY
+2.3% QoQ
|
+1.67% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
36.17%
+1.8% YoY
-2.5% QoQ
|
+14.14% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 8.5% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-89.2% YoY
+28.6% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
14.70%
+7.5% YoY
+3.0% QoQ
|
-1.21% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.22%
-9.6% YoY
+106.7% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
55% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.2%
+0.6pp YoY -0.9pp QoQ |
+14.0pp | 22.1% | 18.8% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-1.0pp YoY -0.5pp QoQ |
-4.6pp | 11.6% | 10.9% | 12.5% | 33% |
| CRE |
45.1%
0.0pp YoY +3.4pp QoQ |
+5.5pp | 39.5% | 42.4% | 41.4% | 62% |
| 1-4 Family |
42.8%
+2.1pp YoY -2.7pp QoQ |
+10.1pp | 32.6% | 39.8% | 31.3% | 74% |
| Consumer |
5.2%
-0.5pp YoY 0.0pp QoQ |
+1.1pp | 4.1% | 4.5% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
14.7%
+1.0pp YoY +0.4pp QoQ |
+2.5pp | 12.2% | 11.4% | 12.6% | 85% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
-1 (-3.7%) YoY -1 (-3.7%) QoQ |
-33 | 58 | 270 | 482 | 21% |
| Assets per Employee ($) |
$6.5M
+4.2% YoY +2.7% QoQ |
-$1.0M | $7.5M | $7.1M | $8.8M | 42% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.2% | 0.4% | 18% |
| Nonaccrual |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 4% |
| Allowance Coverage |
58.79x
+928.1% YoY -20.0% QoQ |
+34.63x | 24.15x | 28.97x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 53% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
-1.3pp YoY +0.3pp QoQ |
+0.4pp | 12.2% | 10.9% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 2.0% | 1.7% | 17% |
| Net Income ($, YTD) |
$1.5M
+4.0% YoY — QoQ |
-$1.1M | $2.6M | $16.7M | $40.4M | 41% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.