BlastPoint's Banking Scorecard
People's Bank and Trust Company of Pickett County
Byrdstown, TN
3 branches across TN · KY
People's Bank and Trust Company of Pickett County has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.95% above tier average
- + Efficiency Ratio 4.63% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 15.1% in tier
- - Delinquency Rate 0.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.6M
+7.0% YoY
+2.1% QoQ
|
-$67.5M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$233.2M
+10.6% YoY
+5.3% QoQ
|
-$22.5M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$280.7M
+6.7% YoY
+2.1% QoQ
|
-$47.2M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
1.14%
-29.6% YoY
-5.9% QoQ
|
-0.13% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.88%
+1.6% YoY
-1.3% QoQ
|
+0.95% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 9.1% in tier |
| Efficiency Ratio ? |
60.65%
+5.9% YoY
+4.0% QoQ
|
-4.63% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
1.10%
-22.6% YoY
-4.9% QoQ
|
+0.22% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
83.09%
+3.7% YoY
+3.1% QoQ
|
+6.45% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
12.71%
+1.3% YoY
-1.1% QoQ
|
-9.31% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.93%
-7.6% YoY
+3.3% QoQ
|
+0.30% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
10.77%
+0.7% YoY
+0.2% QoQ
|
-5.06% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.09%
-33.1% YoY
-77.4% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
46% |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.