Peoples Bank & 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 & Trust Company of Ryan, OK against its peer group of 506 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 | -1.95% | 3.14% | -5.09% | 5th bottom |
| ROAE | -11.37% | 10.34% | -21.71% | 5th bottom |
| Net Interest Margin | 4.19% | 3.94% | +0.25% | 64th above |
| Efficiency Ratio | 166.91% | 76.16% | +90.75% | 4th bottom |
| PPNR / Avg Assets | -1.99% | 1.41% | -3.40% | 3rd bottom |
| Yield on Earning Assets | 6.84% | 5.35% | +1.49% | 93rd top |
| Cost of Funds | 2.78% | 1.70% | +1.08% | 11th bottom |
| Net Interest Spread | 3.55% | 3.32% | +0.23% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 8.55% | 1.32% | +7.23% | 2nd bottom |
| NPA / Total Assets | 6.17% | 0.70% | +5.47% | 1st bottom |
| NCO / Avg Loans | -0.05% | 0.10% | -0.15% | 91st top |
| ACL / Total Loans | 3.23% | 1.49% | +1.74% | 94th top |
| ACL / NPLs (Coverage) | 37.77% | 867.27% | -829.50% | 12th bottom |
| Texas Ratio | 54.11% | 8.19% | +45.92% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.00% | 62.34% | -48.34% | 16th bottom |
| Tier 1 Ratio | 14.00% | 62.35% | -48.35% | 16th bottom |
| Total Capital Ratio | 15.27% | 63.31% | -48.04% | 16th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.36% | 17.65% | -3.29% | 60th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 15.48% | 16.45% | -0.97% | 68th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.56% | 16.20% | -3.64% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.60% | 72.81% | +16.79% | 19th bottom |
| Core Deposit Ratio | 64.91% | 88.32% | -23.41% | 3rd bottom |
| Wholesale Funding Ratio | 0.64% | 5.20% | -4.56% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 40.35% | 4.20% | +36.15% | 99th top |
| Loan Growth (Y/Y) | 70.97% | 6.64% | +64.33% | 98th top |
| Deposit Growth (Y/Y) | 45.65% | 3.65% | +42.00% | 99th top |
See Peoples Bank & Trust Company's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank & 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 & Trust Company profile, how to read a UBPR, or how this data updates.