PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY

BYRDSTOWN, TN | Small | Est. Nov. 27, 1978, midnight | FDIC #22756 | RSSD #942539 | FDIC
Latest Report: 2025-12-31

PEOPLE'S BANK AND TRUST COMPANY OF PICKETT COUNTY is asn small FDIC-insured commercial bank headquartered in BYRDSTOWN, TN, established in Nov. 27, 1978, midnight. As of 2025-12-31, the bank reported total assets of $312M and total deposits of $275M. Profitability stands at 0.97% ROA and 9.68% ROE, with a net interest margin of 5.05%. The bank's CET1 capital ratio is 10.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.11% and a Texas Ratio of 8.07%. FDIC Certificate #22756.

Assets

$312M

Deposits

$275M

Loans

$224M

Equity

$32M

Profitability

Return on Assets (ROA) 0.97%
Return on Equity (ROE) 9.68%
Net Interest Margin (NIM) 5.05%
Yield on Assets 8.01%
Cost of Funds 3.09%

Asset Quality

NPL Ratio 1.11%
Net Charge-Off Ratio 0.76%
Texas Ratio 8.07%
NPA Ratio 0.88%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 10.01%
Tier 1 Capital 10.01%
Total Capital Ratio 10.51%
Leverage Ratio 10.75%
Loan-to-Deposit 81.51%

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