BanksPEOPLES BANK & TRUST COMPANY

PEOPLES BANK & TRUST COMPANY

RYAN, OKMicroEst. March 5, 1906, midnightFDIC #2331RSSD #243955FDIC
Latest · 2025-12-31

PEOPLES BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 22.18%, well above regulatory minimums. NPL ratio: 9.56% · Texas Ratio: 31.10%. Operates 2 domestic branches.

Assets
$47M
Deposits
$36M
Loans
$32M
Equity
$10M

Profitability

Return on Assets (ROA)-1.75%
Return on Equity (ROE)-8.37%
Net Interest Margin4.05%
Yield on Assets6.58%
Cost of Funds3.09%

Asset Quality

NPL Ratio9.56%
Net Charge-Off Ratio0.00%
Texas Ratio31.10%
NPA Ratio6.68%
ACL / Loans1.63%

Capital & Liquidity

CET1 Ratio22.18%
Tier 1 Capital22.18%
Total Capital Ratio23.43%
Leverage Ratio18.32%
Loan-to-Deposit90.54%

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