PEOPLES BANK AND TRUST COMPANY

MCPHERSON, KS | Large | Est. Nov. 1, 1898, midnight | FDIC #1365 | RSSD #153353 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK AND TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in MCPHERSON, KS, established in Nov. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.3B. Profitability stands at 1.32% ROA and 14.69% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 10.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.85% and a Texas Ratio of 5.69%. FDIC Certificate #1365.

Assets

$1.6B

Deposits

$1.3B

Loans

$1.1B

Equity

$144M

Profitability

Return on Assets (ROA) 1.32%
Return on Equity (ROE) 14.69%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.94%
Cost of Funds 3.58%

Asset Quality

NPL Ratio 0.85%
Net Charge-Off Ratio 0.13%
Texas Ratio 5.69%
NPA Ratio 0.58%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 10.59%
Tier 1 Capital 10.59%
Total Capital Ratio 11.84%
Leverage Ratio 8.92%
Loan-to-Deposit 80.00%

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