People's Bank and Trust Company of Pickett County: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 43.52 percentage points higher than in Q1 2026, at 136.91%. Within Tennessee, People's Bank and Trust Company of Pickett County is 41st of 109 on return on assets, 1.32% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. People's Bank and Trust Company of Pickett County sits 0.07 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 10.34% |
| Tangible equity to tangible assets | 10.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.83% |
| Non-performing assets ratio | 0.84% |
| Net charge-off ratio | 0.39% |
| Texas ratio | 7.62% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 136.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 13.10% |
| Net interest margin | 4.93% |
| Efficiency ratio | 57.48% |
| Yield on earning assets | 7.57% |
| Cost of funds | 2.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.73% |
| Core deposits to total deposits | 83.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.83% |
| Securities to assets | 8.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.36% | 1.72% | 5.02% | 0.68% | -0.04% |
| Q4 2023 | 10.91% | 1.05% | 4.67% | 0.88% | 0.23% |
| Q1 2024 | 10.72% | 1.52% | 4.60% | 0.91% | 0.36% |
| Q2 2024 | 10.80% | 0.97% | 4.64% | 2.34% | 0.56% |
| Q3 2024 | 10.52% | 0.49% | 4.92% | 1.51% | 1.13% |
| Q4 2024 | 10.65% | 1.45% | 4.98% | 1.33% | 0.72% |
| Q1 2025 | 10.69% | 1.61% | 4.73% | 1.57% | 0.23% |
| Q2 2025 | 10.76% | 1.11% | 4.96% | 1.28% | 0.65% |
| Q3 2025 | 10.63% | 1.14% | 4.98% | 0.88% | 1.70% |
| Q4 2025 | 10.75% | 0.97% | 4.85% | 1.26% | 0.54% |
| Q1 2026 | 10.77% | 1.14% | 4.85% | 1.19% | 0.46% |
| Q2 2026 | 10.85% | 1.32% | 4.93% | 0.83% | 0.39% |
People's Bank and Trust Company of Pickett County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock People's Bank and Trust Company of Pickett County, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full People's Bank and Trust Company of Pickett County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22756) · FFIEC NIC profile (RSSD 942539)