Peoples Bank & Trust Company (Ryan, OK)
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank & Trust Company is an FDIC-insured commercial bank headquartered in Ryan, OK, established in 1906 (FDIC certificate 2331), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $61.9M, up 40.4% from Q2 2025, the 150th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 14.00% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2331
- Headquarters
- Ryan, OK
- Established
- 1906
- Total assets, Q2 2026
- $61.9M
- Assets vs Q2 2025
- +40.4%
- CET1 ratio, Q2 2026
- 14.00%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103103516
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank & Trust Company call report
- Asset rank in state
- 150th of 169 in Oklahoma
Problem loans are rising at Peoples Bank & Trust Company. Its balance sheet stood at $62 million at June 30, 2026, up 40.4% from a year earlier; it is based in Ryan, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 10.85% of loans from 5.63% a year earlier. It loses about $1.95 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 167 cents to bring in each dollar of revenue, 2.4 times the median of 69 cents for banks its size.
It lost $267,000 in the quarter. Its $16 million commercial and industrial book is improving, with 1.46% past due or on nonaccrual, down from 3.16% a year earlier. Credit is the area to watch: it carries problem assets equal to 54.1% of the capital and reserves that would absorb them, 39.2 times the median of 1.4% for banks its size.
As of June 30, 2026, Peoples Bank & Trust Company reported a CET1 capital ratio of 14.00%, a return on assets of -1.95%, a nonperforming-loan ratio of 10.85% and a Texas ratio of 54.11%. The figures come from its call report filed with the FFIEC.
Peoples Bank & Trust Company ranks as the 150th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 22.8% to $61.9M, loans rose 35.7% and deposits rose 33.2%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 44.7% of total loans, ahead of commercial and industrial loans at 35.6%. Its 2 offices in the FDIC Summary of Deposits are in Edmond, OK and Ryan, OK; its Edmond office books 63% of its branch deposits. Judged on its Q2 2026 call report, Peoples Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 517 Washington Street, Ryan, OK 73565
- County
- Jefferson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- March 5, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $49.2M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $54.8M
- Average total loans
- $39.5M
- Average interest-bearing deposits
- $38.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2331
- Fed RSSD
- 243955
- Website
- www.peoplesbankusa.com →
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 & Trust Company's total assets moved between a low of $42.2M (Q4 2024) and a high of $61.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$61.9M total assets against $44.1M; $52.3M total liabilities against $36.7M.
$42.6M net loans and leases against $25.5M; $49.2M total deposits against $33.8M.
$1.0M securities against $2.0M; $11.7M cash and balances due against $12.6M.
$792K total interest income against $622K; $307K total interest expense against $259K.
$485K net interest income against $363K.
-$77K total noninterest income against -$89K; $681K total noninterest expense against $524K.
$0 provision for credit losses against $0.
-$267K net income against -$250K.
-1.95% return on assets against -2.26%; 4.19% net interest margin against 3.70%.
14.00% CET1 capital ratio against 23.10%; 14.36% tier 1 leverage ratio against 15.81%.
Inside the full Peoples Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Peoples Bank & Trust Company rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.64% (Q4 2025) to 3.21% (Q3 2024) and its net interest margin ran from 3.70% (Q2 2025) to 6.21% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.00% | -1.95% | 10.85% | 54.11% | 4.19% |
| Q1 2026 | 16.91% | -0.69% | 10.87% | 44.29% | 4.60% |
| Q4 2025 | 20.39% | -2.64% | 9.64% | 36.47% | 4.35% |
| Q3 2025 | 23.83% | 0.04% | 4.48% | 16.97% | — |
| Q2 2025 | 23.10% | -2.26% | 5.63% | 21.47% | 3.70% |
| Q1 2025 | 24.49% | 0.89% | 5.36% | 19.97% | 4.67% |
| Q4 2024 | 24.73% | 2.35% | 4.89% | 18.29% | 5.64% |
| Q3 2024 | 25.22% | 3.21% | 5.76% | 20.25% | 6.21% |
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Branch Network
View all 2 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 |
|---|---|---|---|
| Edmond Branch | Edmond , OK | 73012 | $30.8M |
| Peoples Bank and Trust Company | Ryan , OK | 73565 | $18.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 170 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $18.1M approved, $3.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 & Trust Company
What are Peoples Bank & Trust Company's total assets?
As of the Q2 2026 filing, Peoples Bank & Trust Company reported total assets of $61.9 million in its FFIEC call report.
Where is Peoples Bank & Trust Company headquartered?
It is headquartered in Ryan, OK, United States.
When was Peoples Bank & Trust Company founded?
It was established in 1906, per the FDIC institution directory.
Is Peoples Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank & Trust Company?
Peoples Bank & Trust Company's primary federal regulator is the FDIC.
What is Peoples Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Bank & Trust Company operate?
It operates 2 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 54.11% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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