Peoples Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank and Trust Company of McPherson, KS against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.40% | 1.46% | -1.06% | 7th bottom |
| ROAE | 4.25% | 12.70% | -8.45% | 8th bottom |
| Net Interest Margin | 3.89% | 3.85% | +0.04% | 62nd above |
| Efficiency Ratio | 50.83% | 57.40% | -6.57% | 74th above |
| PPNR / Avg Assets | 2.18% | 1.88% | +0.30% | 78th top |
| Yield on Earning Assets | 5.86% | 5.72% | +0.14% | 68th above |
| Cost of Funds | 2.12% | 2.02% | +0.10% | 43rd below |
| Net Interest Spread | 3.38% | 3.18% | +0.20% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 1.00% | -0.28% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.76% | -0.19% | 44th below |
| NCO / Avg Loans | 0.71% | 0.43% | +0.28% | 6th bottom |
| ACL / Total Loans | 1.74% | 1.31% | +0.43% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 241.34% | 564.56% | -323.22% | 62nd above |
| Texas Ratio | 8.24% | 7.39% | +0.85% | 29th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 195.68% | 618.85% | -423.17% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.05% | 17.34% | -6.29% | 11th bottom |
| Tier 1 Ratio | 11.05% | 17.37% | -6.32% | 10th bottom |
| Total Capital Ratio | 12.30% | 18.42% | -6.12% | 13th bottom |
| Leverage Ratio | 9.27% | 11.44% | -2.17% | 17th bottom |
| Equity / Assets | 9.39% | 11.34% | -1.95% | 29th below |
| TCE / Tangible Assets | 7.77% | 10.50% | -2.73% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.00% | 86.96% | -9.96% | 75th top |
| Core Deposit Ratio | 88.54% | 85.55% | +2.99% | 50th above |
| Uninsured Deposit Ratio | 24.80% | 33.13% | -8.33% | 72nd above |
| Wholesale Funding Ratio | 1.88% | 5.70% | -3.82% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.83% | 9.68% | -5.85% | 41st below |
| Loan Growth (Y/Y) | 3.40% | 8.06% | -4.66% | 37th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.81% | 7.88% | -0.07% | 66th above |
See Peoples Bank and Trust Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples Bank and Trust Company profile, how to read a UBPR, or how this data updates.