BlastPoint's Banking Scorecard

Peoples Bank & Trust Company

$100M-$1B Specialty: Commercial TN FDIC cert 1475

Manchester, TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

Peoples Bank & Trust Company demonstrates 4 strengths

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

+ Deposit Franchise: Top 33.1% in tier
+ ROA 0.42% above tier average
+ Efficiency Ratio 12.70% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$170.4M +3.7% YoY -0.7% QoQ	-$215.7M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$112.7M +8.6% YoY +0.0% QoQ	-$143.0M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$144.8M +2.0% YoY -1.4% QoQ	-$183.1M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	1.68% -1.0% YoY -7.3% QoQ	+0.42%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	4.85% -1.3% YoY -4.5% QoQ	+0.92%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	Top 9.7% in tier
Efficiency Ratio ?	52.59% -0.4% YoY +3.8% QoQ	-12.70%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.02% -91.7% YoY +10.0% QoQ	-0.87%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	77.82% +6.4% YoY +1.4% QoQ	+1.18%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	37.11% +2.4% YoY +8.9% QoQ	+15.09%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	Top 7.5% in tier
Nonperforming Asset Ratio ?	0.01% -91.3% YoY +10.8% QoQ	-0.63%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	Top 14.8% in tier
Tier 1 Capital Ratio ?	14.26% +5.7% YoY +4.2% QoQ	-1.57%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.10% -15.0% YoY -77.6% QoQ	-0.18%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	55%

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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 (1)

Deposit Franchise

growth

#91 of 272 • Top 33.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 37.11%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.85%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

201

Non-Interest-Bearing Deposit Share

funding

Value: 37.11%

Peer Median: 22.02%

#201 of 2664 Top 7.5% in $100M-$1B

259

Net Interest Margin

profitability

Value: 4.85%

Peer Median: 3.93%

#259 of 2664 Top 9.7% in $100M-$1B

395

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#395 of 2664 Top 14.8% in $100M-$1B

418

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#418 of 2654 Top 15.7% in $100M-$1B

556

Efficiency Ratio

profitability

Value: 52.59%

Peer Median: 65.29%

#556 of 2664 Top 20.8% in $100M-$1B

613

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.27%

#613 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (3 metrics)

2149

Total Assets

size

Value: $170.37M

Peer Median: $386.08M

#2149 of 2664 Bottom 19.4% in $100M-$1B

2141

Total Deposits

size

Value: $144.84M

Peer Median: $327.97M

#2141 of 2664 Bottom 19.7% in $100M-$1B

2034

Total Loans

size

Value: $112.72M

Peer Median: $255.72M

#2034 of 2664 Bottom 23.7% in $100M-$1B