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People's Bank and Trust Company of Pickett County

$100M-$1B Specialty: Commercial TN FDIC cert 22756

Byrdstown, TN

3 branches across TN · KY

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 +4.4% year over year ($280.2M on the books).
  • Delinquency rate 0.73%.
  • Return on assets 1.24%.
  • Efficiency ratio 59.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.74% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

People's Bank and Trust Company of Pickett County has 3 strengths but faces 1 concern

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 0.98% above tier average
  • + Efficiency Ratio 5.37% below tier average
  • + Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 56.0% in tier
Get updates when People's Bank and Trust Company of Pickett County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $319.0M
+5.1% YoY +0.1% QoQ
-$67.5M $386.6M
+1.2% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $240.2M
+11.6% YoY +3.0% QoQ
-$18.1M $258.3M
+1.7% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $280.2M
+4.4% YoY -0.2% QoQ
-$46.5M $326.7M
+0.7% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 1.24%
-9.0% YoY +8.9% QoQ
-0.08% 1.32%
+10.8% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
50%
Net Interest Margin ? 4.96%
+1.0% YoY +1.6% QoQ
+0.98% 3.99%
+5.0% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
Top 8.6% in tier
Efficiency Ratio ? 59.11%
+3.8% YoY -2.6% QoQ
-5.37% 64.48%
-3.2% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 0.73%
-43.0% YoY -33.5% QoQ
-0.18% 0.92%
+15.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 85.74%
+6.8% YoY +3.2% QoQ
+7.79% 77.95%
+1.0% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 12.21%
-0.1% YoY -4.0% QoQ
-9.82% 22.03%
-0.6% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
15%
Nonperforming Asset Ratio ? 0.75%
-22.7% YoY -19.2% QoQ
+0.09% 0.67%
+16.4% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 10.85%
+0.8% YoY +0.7% QoQ
-5.06% 15.91%
+1.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.20%
-15.6% YoY +118.4% QoQ
-0.37% 0.57%
+7.6% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
49%

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 12.2%
0.0pp YoY
-0.5pp QoQ
 -9.9pp 22.1% 18.8% 22.2% 15%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 9.4% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 17.9%
-3.0pp YoY
-0.7pp QoQ
 +6.3pp 11.6% 10.9% 12.5% 84%
CRE 17.9%
-0.4pp YoY
+0.1pp QoQ
 -21.7pp 39.5% 42.4% 41.4% 15%
1-4 Family 39.2%
+3.5pp YoY
+0.2pp QoQ
 +6.5pp 32.6% 39.8% 31.3% 68%
Consumer 16.8%
-0.3pp YoY
+0.3pp QoQ
 +12.7pp 4.1% 4.5% 5.0% 97%

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 10.8%
+0.1pp YoY
+0.1pp QoQ
 -1.3pp 12.2% 11.4% 12.6% 47%
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 56
0 YoY
0 QoQ
 -3 58 270 482 60%
Assets per Employee ($) $5.7M
+5.1% YoY
+0.1% QoQ
 -$1.8M $7.5M $7.1M $8.8M 27%
Branch Count 3
0 YoY
0 QoQ
 -2 4 17 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 28%
Nonaccrual 0.7%
-0.4pp YoY
-0.4pp QoQ
 -0.2pp 0.9% 0.7% 1.0% 63%
Allowance Coverage 1.57x
+64.4% YoY
+53.9% QoQ
 -22.58x 24.15x 28.97x 20.23x 40%
Net Charge-off Rate (YTD) 0.4%
0.0pp YoY
0.0pp QoQ
 +0.3pp 0.1% 0.1% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 12.2%
-1.7pp YoY
+0.9pp QoQ
 0.0pp 12.2% 10.9% 11.6% 51%
Cost of Funds (YTD) 2.7%
-0.3pp YoY
0.0pp QoQ
 +1.0pp 1.7% 2.0% 1.7% 94%
Net Income ($, YTD) $2.0M
-3.1% YoY
— QoQ
 -$591K $2.6M $16.7M $40.4M 51%

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 (1)

Margin Compression

decline
#173 of 307 • Bottom 56.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.24%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

227
Net Interest Margin
profitability
Value: 4.96%
Peer Median: 3.99%
#227 of 2643 Top 8.6% in $100M-$1B

Top Weaknesses (2 metrics)

2244
Non-Interest-Bearing Deposit Share
funding
Value: 12.21%
Peer Median: 22.03%
#2244 of 2643 Bottom 15.1% in $100M-$1B
2081
Tier 1 Capital Ratio
capital
Value: 10.85%
Peer Median: 15.91%
#2081 of 2643 Bottom 21.3% in $100M-$1B
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