Peoples Bank & Trust Company (Manchester, TN)
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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 Manchester, TN, established in 1905 (FDIC certificate 1475), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $168.6M, up 0.4% from Q2 2025, the 96th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1475
- Headquarters
- Manchester, TN
- Established
- 1905
- Total assets, Q2 2026
- $168.6M
- Assets vs Q2 2025
- +0.4%
- Tier 1 leverage ratio, Q2 2026
- 14.70%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 064102384
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank & Trust Company call report
- Holding company
- PEOPLES BANCORP, INC.
- Asset rank in state
- 96th of 109 in Tennessee
Peoples Bank & Trust Company earns an unusually wide margin on its lending. The Manchester, Tennessee bank had $169 million in assets at June 30, 2026. It keeps 5.10 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 5.9% and deposits fell 1.6%.
As of June 30, 2026, Peoples Bank & Trust Company reported a return on assets of 1.81%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples Bank & Trust Company is the 96th largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $168.6M, loans rose 0.7% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.2% of total loans, followed by construction and land development loans at 20.3%. The FDIC Summary of Deposits lists a single office for it, in Manchester, TN. Judged on its Q2 2026 call report, Peoples Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1203 Hillsboro Blvd, Manchester, TN 37355
- County
- Coffee
- Metro Area
- Tullahoma-Manchester, TN
- 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 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 6, 1905
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $142.6M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $171.4M
- Average total loans
- $115.7M
- Average interest-bearing deposits
- $91.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1475
- Fed RSSD
- 28732
- Website
- www.bankwithpeoples.com →
- Parent Holding Company
- PEOPLES BANCORP, INC. (RSSD 1131554)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Peoples Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Peoples Bank & Trust Company's total assets ran between $140.8M (Q3 2023) and $171.6M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$168.6M total assets against $167.9M; $144.2M total liabilities against $146.4M.
$113.5M net loans and leases against $107.2M; $142.6M total deposits against $144.8M.
$28.2M securities against $29.7M; $20.6M cash and balances due against $25.2M.
$2.6M total interest income against $2.4M; $466K total interest expense against $463K.
$2.1M net interest income against $2.0M.
$186K total noninterest income against $199K; $1.2M total noninterest expense against $1.1M.
$45K provision for credit losses against $45K.
$775K net income against $758K.
1.81% return on assets against 1.84%; 5.10% net interest margin against 4.99%.
14.70% tier 1 leverage ratio against 13.66%.
Inside the full Peoples Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank & Trust Company rankings
Its closest position to the top of a national ranking is 738 of 3,611, for ROA; its furthest is 3,230 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.44% (Q4 2024) to 1.92% (Q3 2025) and its net interest margin ran from 4.69% (Q3 2024) to 5.10% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.70% | 1.81% | 0.02% | 0.11% | 5.10% |
| Q1 2026 | 14.26% | 1.68% | 0.02% | 0.09% | 4.81% |
| Q4 2025 | 13.69% | 1.75% | 0.02% | 0.08% | 5.03% |
| Q3 2025 | 13.70% | 1.92% | 0.24% | 1.14% | 5.02% |
| Q2 2025 | 13.66% | 1.84% | 0.24% | 1.13% | 4.99% |
| Q1 2025 | 13.50% | 1.69% | 0.23% | 1.10% | 4.79% |
| Q4 2024 | 13.67% | 1.44% | 0.00% | 0.02% | 4.79% |
| Q3 2024 | 13.45% | 1.63% | 0.03% | 0.15% | 4.69% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Peoples Bank & Trust Company (main office) | Manchester , TN | 37355 | $142.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 130 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $168.6 million in its FFIEC call report.
Where is Peoples Bank & Trust Company headquartered?
It is headquartered in Manchester, TN, United States.
When was Peoples Bank & Trust Company founded?
It was established in 1905, per the FDIC institution directory.
Is Peoples Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1475). 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.
How many branches does Peoples Bank & Trust Company operate?
It operates 1 domestic office, 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 0.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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