PEOPLES BANK & TRUST COMPANY

MANCHESTER, TN | Small | Est. July 6, 1905, midnight | FDIC #1475 | RSSD #28732 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MANCHESTER, TN, established in July 6, 1905, midnight. As of 2025-12-31, the bank reported total assets of $172M and total deposits of $147M. Profitability stands at 1.77% ROA and 13.28% ROE, with a net interest margin of 5.30%. The bank's CET1 capital ratio is 13.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.08%. FDIC Certificate #1475.

Assets

$172M

Deposits

$147M

Loans

$114M

Equity

$23M

Profitability

Return on Assets (ROA) 1.77%
Return on Equity (ROE) 13.28%
Net Interest Margin (NIM) 5.30%
Yield on Assets 6.55%
Cost of Funds 1.34%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.08%
NPA Ratio 0.01%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 13.42%
Tier 1 Capital 13.42%
Total Capital Ratio 14.09%
Leverage Ratio 13.69%
Loan-to-Deposit 77.81%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required