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 climbed 2937.50 percentage points in Q2 2026, from 7350.00% to 10287.50%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Peoples Bank & Trust Company is 22nd of 109 on return on assets, 1.81% as of Q2 2026, above the middle of the field. Peoples Bank & Trust Company reported 1.81% on return on assets for Q2 2026, 0.55 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.70% |
| Equity capital to assets | 14.43% |
| Tangible equity to tangible assets | 14.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.11% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 10287.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 12.92% |
| Net interest margin | 5.10% |
| Efficiency ratio | 51.98% |
| Yield on earning assets | 6.24% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.77% |
| Core deposits to total deposits | 86.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.58% |
| Securities to assets | 16.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.64% | 1.72% | 4.91% | 0.00% | -0.01% |
| Q4 2023 | 13.64% | 1.64% | 4.90% | 0.00% | -0.01% |
| Q1 2024 | 13.38% | 1.55% | 4.67% | 0.00% | 0.01% |
| Q2 2024 | 13.62% | 1.53% | 4.64% | 0.00% | -0.01% |
| Q3 2024 | 13.45% | 1.63% | 4.69% | 0.00% | -0.02% |
| Q4 2024 | 13.67% | 1.44% | 4.79% | 0.00% | 0.02% |
| Q1 2025 | 13.50% | 1.69% | 4.79% | 0.00% | -0.00% |
| Q2 2025 | 13.66% | 1.84% | 4.99% | 0.23% | 0.01% |
| Q3 2025 | 13.70% | 1.92% | 5.02% | 0.24% | 0.00% |
| Q4 2025 | 13.69% | 1.75% | 5.03% | 0.02% | 0.01% |
| Q1 2026 | 14.26% | 1.68% | 4.81% | 0.02% | -0.01% |
| Q2 2026 | 14.70% | 1.81% | 5.10% | 0.01% | 0.05% |
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 1475) · FFIEC NIC profile (RSSD 28732)