PEOPLES BANK & TRUST COMPANY

RYAN, OK | Micro | Est. March 5, 1906, midnight | FDIC #2331 | RSSD #243955 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK & TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in RYAN, OK, established in March 5, 1906, midnight. As of 2025-12-31, the bank reported total assets of $47M and total deposits of $36M. Profitability stands at -1.75% ROA and -8.37% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 22.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 9.56% and a Texas Ratio of 31.10%. FDIC Certificate #2331.

Assets

$47M

Deposits

$36M

Loans

$32M

Equity

$10M

Profitability

Return on Assets (ROA) -1.75%
Return on Equity (ROE) -8.37%
Net Interest Margin (NIM) 4.05%
Yield on Assets 6.58%
Cost of Funds 3.65%

Asset Quality

NPL Ratio 9.56%
Net Charge-Off Ratio --
Texas Ratio 31.10%
NPA Ratio 6.68%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 22.18%
Tier 1 Capital 22.18%
Total Capital Ratio 23.43%
Leverage Ratio 18.32%
Loan-to-Deposit 90.54%

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