People's Bank and Trust Company of Pickett County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks People's Bank and Trust Company of Pickett County of Byrdstown, TN against its peer group of 2672 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 Behind the peer average, ahead of the median peer. | 1.32% | 1.34% | -0.02% | 54th above |
| ROAE Behind the peer average, ahead of the median peer. | 13.10% | 13.31% | -0.21% | 54th above |
| Net Interest Margin | 4.93% | 3.93% | +1.00% | 91st top |
| Efficiency Ratio | 57.48% | 61.14% | -3.66% | 62nd above |
| PPNR / Avg Assets | 2.18% | 1.68% | +0.50% | 79th top |
| Yield on Earning Assets | 7.57% | 5.67% | +1.90% | 98th top |
| Cost of Funds | 2.99% | 1.88% | +1.11% | 6th bottom |
| Net Interest Spread | 4.25% | 3.32% | +0.93% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 0.94% | -0.11% | 32nd below |
| NPA / Total Assets | 0.84% | 0.70% | +0.14% | 25th below |
| NCO / Avg Loans | 0.39% | 0.16% | +0.23% | 8th bottom |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 136.91% | 1539.15% | -1402.24% | 38th below |
| Texas Ratio | 7.62% | 7.33% | +0.29% | 29th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 150.91% | 1396.07% | -1245.16% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.85% | 12.14% | -1.29% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.34% | 11.37% | -1.03% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.34% | 11.09% | -0.75% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.73% | 80.64% | +6.09% | 36th below |
| Core Deposit Ratio | 83.63% | 86.86% | -3.23% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.13% | 6.85% | -1.72% | 56th above |
| Loan Growth (Y/Y) | 11.47% | 7.90% | +3.57% | 78th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.42% | 6.29% | -1.87% | 53rd above |
See People's Bank and Trust Company of Pickett County's peers by name
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Unlock People's Bank and Trust Company of Pickett County, 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 People's Bank and Trust Company of Pickett County profile, how to read a UBPR, or how this data updates.