BlastPoint's Banking Scorecard

Peoples Bank and Trust Company

under $100M Specialty: Commercial OK FDIC cert 2331

Designations: ✓ Community bank

Ryan, OK

2 branches across OK

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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
Deposits +45.7% year over year ($49.2M on the books).
Delinquency rate 11.22%.
Return on assets -1.32%.
Efficiency ratio 142.21% vs a 119.40% peer average.
Loan-to-deposit ratio 86.70% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 39 in OK

View under $100M leaderboard (OK) →

Peoples Bank and Trust Company has 1 strength but faces 5 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 0.38% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.32% below tier average
- Efficiency Ratio 22.82% above tier average
- Delinquency Rate 9.73% above tier average
- Nonperforming Asset Ratio 6.98% above tier average
- Non-Interest Income / Assets 1.54% 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 (OK)	National Avg	Tier Percentile
Total Assets ?	$61.9M +40.4% YoY +22.8% QoQ	-$559K	$62.4M -0.0% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	47%
Total Loans ?	$42.6M +67.5% YoY +37.3% QoQ	+$7.8M	$34.9M -0.6% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	66%
Total Deposits ?	$49.2M +45.7% YoY +33.2% QoQ	-$2.4M	$51.6M -0.2% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	-1.32% -90.6% YoY -93.2% QoQ	-2.32%	1.00% +3.5% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 5.2% in tier
Net Interest Margin ?	4.29% -3.4% YoY -9.7% QoQ	+0.38%	3.91% +2.3% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	142.21% +18.5% YoY +19.6% QoQ	+22.82%	119.40% +49.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 5.0% in tier
Delinquency Rate ?	11.22% +96.8% YoY -1.4% QoQ	+9.73%	1.48% +31.8% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 1.9% in tier
Loan-to-Deposit Ratio ?	86.70% +15.0% YoY +3.1% QoQ	+12.49%	74.21% +12.6% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	14.30% -9.7% YoY +2.6% QoQ	-9.19%	23.49% +0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	7.81% +122.3% YoY +4.0% QoQ	+6.98%	0.84% +23.0% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 0.7% in tier
Tier 1 Capital Ratio ?	14.00% -39.4% YoY -17.2% QoQ	-13.12%	27.13% +3.0% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	-0.16% -999.5% YoY -242.6% QoQ	-1.54%	1.38% +6.3% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Bottom 0.2% in tier

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 (OK)	National Avg	Tier Percentile
Noninterest-Bearing	14.3% -1.5pp YoY +0.4pp QoQ	-10.3pp	24.6%	23.9%	22.2%	17%
Brokered Deposits	2.0% +2.0pp YoY +2.0pp QoQ	-7.7pp	9.8%	9.7%	8.5%	21%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	36.8% +25.0pp YoY +19.9pp QoQ	+23.4pp	13.4%	15.7%	12.5%	96%
CRE	n/a	n/a	25.2%	42.0%	41.4%	n/a
1-4 Family	0.7% -0.7pp YoY -0.3pp QoQ	-34.3pp	35.0%	24.0%	31.3%	4%
Consumer	0.9% 0.0pp YoY -0.1pp QoQ	-6.8pp	7.7%	5.6%	5.0%	10%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	14.0% -9.1pp YoY -2.9pp QoQ	-24.7pp	38.7%	17.0%	19.7%	16%
Leverage Ratio	14.4% -1.5pp YoY -1.4pp QoQ	-3.3pp	17.7%	11.7%	12.6%	66%
Total Capital Ratio	15.3% -8.9pp YoY -2.9pp QoQ	-24.4pp	39.7%	18.2%	20.8%	16%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	15 0 YoY -1 (-6.2%) QoQ	+3	12	150	482	73%
Assets per Employee ($)	$4.1M +40.4% YoY +31.0% QoQ	-$2.1M	$6.2M	$6.5M	$8.8M	22%
Branch Count	2 0 YoY 0 QoQ	+0	1	8	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	2.4% +2.4pp YoY +0.7pp QoQ	+1.4pp	1.0%	0.9%	0.4%	90%
Nonaccrual	8.8% +3.2pp YoY -0.9pp QoQ	+7.1pp	1.7%	1.5%	1.0%	98%
Allowance Coverage	0.30x +35.3% YoY -25.9% QoQ	-6.11x	6.41x	61.99x	20.23x	8%
Net Charge-off Rate (YTD)	-0.0% -0.4pp YoY -0.1pp QoQ	-0.2pp	0.2%	0.2%	0.2%	31%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	-7.5% -3.7pp YoY -3.9pp QoQ	-13.9pp	6.4%	11.9%	11.6%	6%
Cost of Funds (YTD)	2.6% -0.2pp YoY -0.1pp QoQ	+1.2pp	1.4%	1.8%	1.7%	94%
Net Income ($, YTD)	$-350000.0 -130.3% YoY — QoQ	-$668K	$317,817	$8.7M	$40.4M	5%

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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 (0)

No matched strength signatures this quarter

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 536 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

536

Non-Interest Income / Assets

revenue_mix

Value: -0.16%

Peer Median: 1.38%

#536 of 536 Bottom 0.2% in under $100M

533

Nonperforming Asset Ratio

credit_quality

Value: 7.81%

Peer Median: 0.84%

#533 of 536 Bottom 0.7% in under $100M

508

Delinquency Rate

credit_quality

Value: 11.22%

Peer Median: 1.48%

#508 of 517 Bottom 1.9% in under $100M

510

Efficiency Ratio

profitability

Value: 142.21%

Peer Median: 119.40%

#510 of 536 Bottom 5.0% in under $100M

509

Return on Assets

profitability

Value: -1.32%

Peer Median: 1.00%

#509 of 536 Bottom 5.2% in under $100M

426

Loan-to-Deposit Ratio

liquidity

Value: 86.70%

Peer Median: 74.21%

#426 of 536 Bottom 20.7% in under $100M

422

Non-Interest-Bearing Deposit Share

funding

Value: 14.30%

Peer Median: 23.49%

#422 of 536 Bottom 21.5% in under $100M