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 Manchester, TN against its peer group of 2672 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 | 1.81% | 1.34% | +0.47% | 78th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.92% | 13.31% | -0.39% | 53rd above |
| Net Interest Margin | 5.10% | 3.93% | +1.17% | 93rd top |
| Efficiency Ratio | 51.98% | 61.14% | -9.16% | 77th top |
| PPNR / Avg Assets | 2.55% | 1.68% | +0.87% | 90th top |
| Yield on Earning Assets | 6.24% | 5.67% | +0.57% | 78th top |
| Cost of Funds | 1.30% | 1.88% | -0.58% | 80th top |
| Net Interest Spread | 4.19% | 3.32% | +0.87% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 83rd top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 84th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 1.43% | 1.28% | +0.15% | 74th above |
| ACL / NPLs (Coverage) | 10287.50% | 1537.11% | +8750.39% | — |
| Texas Ratio | 0.11% | 7.33% | -7.22% | 87th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 818.18% | 1395.63% | -577.45% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.70% | 12.14% | +2.56% | 85th top |
| Equity / Assets | 14.43% | 11.37% | +3.06% | 86th top |
| TCE / Tangible Assets | 14.43% | 11.09% | +3.34% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.77% | 80.64% | +0.13% | 50th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.98% | 86.86% | +0.12% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.36% | 6.85% | -6.49% | 21st bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.95% | 7.90% | -1.95% | 54th above |
| Deposit Growth (Y/Y) | -1.57% | 6.29% | -7.86% | 15th bottom |
See Peoples Bank & Trust Company's peers by name
The 2672 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.