Peoples Bank & Trust Company: 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.
Reserve coverage of non-performing loans dropped 9.11 percentage points in Q2 2026, from 46.88% to 37.77%. It was the largest change from Q1 2026 among the key lines here. Peoples Bank & Trust Company has the 3rd lowest return on assets of the 169 banks headquartered in Oklahoma, at -1.95% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Peoples Bank & Trust Company reported -1.95% on return on assets in Q2 2026, 2.92 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.00% |
| Tier 1 risk-based capital ratio | 14.00% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 14.36% |
| Equity capital to assets | 15.48% |
| Tangible equity to tangible assets | 12.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 8.55% |
| Non-performing assets ratio | 6.17% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 54.11% |
| Allowance for credit losses to loans | 3.23% |
| Reserve coverage of non-performing loans | 37.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.95% |
| Return on equity | -11.37% |
| Net interest margin | 4.19% |
| Efficiency ratio | 166.91% |
| Yield on earning assets | 6.84% |
| Cost of funds | 2.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.60% |
| Core deposits to total deposits | 64.91% |
| Brokered deposits to total deposits | 2.04% |
| Deposits to assets | 79.49% |
| Securities to assets | 1.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.16% | 22.16% | 23.42% | 16.25% | 0.31% |
| Q4 2023 | 24.23% | 24.23% | 25.30% | 16.32% | -0.89% |
| Q1 2024 | 26.19% | 26.19% | 27.29% | 16.84% | 4.67% |
| Q2 2024 | 23.71% | 23.71% | 24.76% | 17.26% | -4.67% |
| Q3 2024 | 25.22% | 25.22% | 26.29% | 17.95% | 3.21% |
| Q4 2024 | 24.73% | 24.73% | 25.93% | 18.29% | 2.35% |
| Q1 2025 | 24.49% | 24.49% | 25.51% | 17.66% | 0.89% |
| Q2 2025 | 23.10% | 23.10% | 24.17% | 15.81% | -2.26% |
| Q3 2025 | 23.83% | 23.83% | 25.08% | 19.41% | 0.04% |
| Q4 2025 | 20.39% | 20.39% | 21.68% | 16.70% | -2.64% |
| Q1 2026 | 16.91% | 16.91% | 18.18% | 15.71% | -0.69% |
| Q2 2026 | 14.00% | 14.00% | 15.27% | 14.36% | -1.95% |
Peoples Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank & Trust Company, 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 Peoples Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2331) · FFIEC NIC profile (RSSD 243955)