BlastPoint's Banking Scorecard
Peoples Bank and Trust Company
Designations: ✓ Community bank
Ryan, OK
2 branches across OK
Peoples Bank and Trust Company has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 34.28% above tier average
- - Delinquency Rate 9.62% above tier average
- - Nonperforming Asset Ratio 6.70% above tier average
- - Non-Interest Income / Assets 0.71% below tier average
- - ROA 1.41% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.5M
+11.3% YoY
+7.7% QoQ
|
-$11.6M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$32.1M
+22.0% YoY
+1.2% QoQ
|
-$2.1M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$36.9M
+7.8% YoY
+3.5% QoQ
|
-$14.8M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
-0.57%
-164.2% YoY
+37.1% QoQ
|
-1.41% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.4% in tier |
| Net Interest Margin ? |
4.49%
-9.7% YoY
+118.9% QoQ
|
+0.63% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
122.62%
+44.9% YoY
-13.9% QoQ
|
+34.28% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate ? |
10.99%
+102.7% YoY
+12.8% QoQ
|
+9.62% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.3% in tier |
| Loan-to-Deposit Ratio ? |
87.08%
+13.2% YoY
-2.2% QoQ
|
+22.86% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
13.94%
+0.4% YoY
+11.7% QoQ
|
-9.78% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
7.49%
+112.8% YoY
+11.8% QoQ
|
+6.70% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.7% in tier |
| Tier 1 Capital Ratio ? |
18.38%
-25.0% YoY
-16.6% QoQ
|
-8.30% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
-0.05%
-122.2% YoY
-138.4% QoQ
|
-0.71% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.6% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.