Peoples Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank and Trust Company is an FDIC-insured commercial bank headquartered in McPherson, KS, established in 1898 (FDIC certificate 1365), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.59B, up 3.8% from Q2 2025, the 10th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 11.05% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1365
- Headquarters
- McPherson, KS
- Established
- 1898
- Total assets, Q2 2026
- $1.59B
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 11.05%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 101101581
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank and Trust Company call report
- Holding company
- PBT BANCSHARES, INC.
- Asset rank in state
- 10th of 182 in Kansas
Problem loans are rising at Peoples Bank and Trust Company. It reported $1.6 billion in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.92% of loans from 0.45% a year earlier. It earns about $0.40 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 11.05% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
Net income for the quarter slipped 25% from a year earlier, to $1.6 million. Over the same year, loans grew 3.4% and deposits grew 7.8%. Credit is the area to watch: it carries problem assets equal to 8.0% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
As of June 30, 2026, Peoples Bank and Trust Company reported a CET1 capital ratio of 11.05%, a return on assets of 0.40%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 7.98%. The figures come from its call report filed with the FFIEC.
Peoples Bank and Trust Company ranks as the 10th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.5% to $1.59B, loans fell 0.7% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 26.0% of total loans, followed by farmland and other real estate loans at 15.7%. Its 21 offices in the FDIC Summary of Deposits are in 16 cities in KS; its Mcpherson 2 offices book 30% of its branch deposits. Judged on its Q2 2026 call report, Peoples Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Main St, McPherson, KS 67460
- County
- Mcpherson
- Metro Area
- McPherson, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- November 1, 1898
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 239
- Domestic deposits
- $1.40B
- Allowance for credit losses
- $18.7M
- Net charge-offs (YTD)
- $3.3M
- Average total assets
- $1.61B
- Average total loans
- $1.07B
- Average interest-bearing deposits
- $1.13B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1365
- Fed RSSD
- 153353
- Website
- http://www.peoples.bank →
- Parent Holding Company
- PBT BANCSHARES, INC. (RSSD 1248658)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Peoples Bank and Trust Company's total assets moved between a low of $1.08B (Q3 2023) and a high of $1.60B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.59B total assets against $1.53B; $1.44B total liabilities against $1.41B.
$1.06B net loans and leases against $1.02B; $1.40B total deposits against $1.29B.
$326.8M securities against $305.3M; $77.8M cash and balances due against $71.2M.
$21.8M total interest income against $20.4M; $7.4M total interest expense against $8.3M.
$14.4M net interest income against $12.1M.
$4.6M total noninterest income against $4.7M; $10.3M total noninterest expense against $10.4M.
$6.8M provision for credit losses against $3.8M.
$1.6M net income against $2.1M.
0.40% return on assets against 0.56%; 3.89% net interest margin against 3.48%.
11.05% CET1 capital ratio against 10.07%; 9.27% tier 1 leverage ratio against 8.62%.
Inside the full Peoples Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank and Trust Company rankings
Its closest position to the top of a national ranking is 702 of 4,196, for total assets; its furthest is 3,333 of 3,611, for ROA.
Banks merged into Peoples Bank and Trust Company
- Kanza Bank, effective April 5, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.40% (Q2 2026) to 1.36% (Q3 2025) and its net interest margin ran from 3.16% (Q3 2024) to 3.89% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.05% | 0.40% | 0.92% | 7.98% | 3.89% |
| Q1 2026 | 10.93% | 1.26% | 1.01% | 8.15% | 3.77% |
| Q4 2025 | 10.59% | 1.31% | 0.91% | 7.49% | 3.70% |
| Q3 2025 | 10.34% | 1.36% | 0.45% | 3.89% | 3.67% |
| Q2 2025 | 10.07% | 0.56% | 0.45% | 4.22% | 3.48% |
| Q1 2025 | 11.03% | 1.08% | 0.51% | 4.27% | 3.28% |
| Q4 2024 | 10.95% | 0.42% | 0.37% | 3.28% | 3.20% |
| Q3 2024 | 11.34% | 1.11% | 0.41% | 3.22% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
View all 21 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank and Trust Company (main office) | Mcpherson , KS | 67460 | $399.8M |
| Great Bend Branch | Great Bend , KS | 67530 | $152.5M |
| Kanza Bank Branch | Kingman , KS | 67068 | $115.1M |
| Wichita Branch of Peoples Bank and Trust | Wichita , KS | 67205 | $80.0M |
| Lindsborg Branch | Lindsborg , KS | 67456 | $67.0M |
| Newton Branch | Newton , KS | 67114 | $56.7M |
| Lyons Branch | Lyons , KS | 67554 | $56.7M |
| Ness City Branch | Ness City , KS | 67560 | $50.1M |
| Hutchinson Branch | Hutchinson , KS | 67502 | $49.6M |
| Anthony Citizens Branch | Anthony , KS | 67003 | $48.3M |
| Pleasantview Branch | Hutchinson , KS | 67501 | $46.0M |
| Kanza Bank - East Branch | Wichita , KS | 67226 | $38.5M |
| Hutchinson Branch | Hutchinson , KS | 67501 | $38.4M |
| Wichita Branch | Wichita , KS | 67235 | $33.9M |
| Yoder Branch | Yoder , KS | 67585 | $33.9M |
| Ellinwood Branch | Ellinwood , KS | 67526 | $32.2M |
| Nickerson Branch | Nickerson , KS | 67561 | $26.4M |
| Little River Branch | Little River , KS | 67457 | $24.8M |
| Inman Branch | Inman , KS | 67546 | $16.9M |
| Otis Branch | Otis , KS | 67565 | $14.5M |
| Mcpherson Branch | Mcpherson , KS | 67460 | $14.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 5, 2025 | Structure Change | Acquired Kanza Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 4, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 20, 2021 | Structure Change | Acquired Community Bank of the Midwest Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 10, 2019 | Structure Change | Acquired The Lyons State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 9, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 15, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 15, 1998 | Structure Change | Acquired Nickerson State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.3% of deposits in KS, rank 16 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,315 applications, 1,159 loans originated, $265.0M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.5M approved, $498K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples Bank and Trust Company
What are Peoples Bank and Trust Company's total assets?
As of the Q2 2026 filing, Peoples Bank and Trust Company reported total assets of $1.59 billion in its FFIEC call report.
Where is Peoples Bank and Trust Company headquartered?
It is headquartered in McPherson, KS, United States.
When was Peoples Bank and Trust Company founded?
It was established in 1898, per the FDIC institution directory.
Is Peoples Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1365). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank and Trust Company?
Peoples Bank and Trust Company's primary federal regulator is the FDIC.
What is Peoples Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.05% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples Bank and Trust Company operate?
It operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 7.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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