$1.6B
+27.3%y/y
Percentile by value55th percentileby value
FDIC
ASSETPB
Peoples Bank and Trust Company
Mcpherson, KansasFDIC Cert #1365
STATEEstablished 189821 branches
Holding company: PBT BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportPeoples Bank and Trust Company reported $1.6B in total assets. Deposits grew 36.28% over the prior year.
Return on assets was 1.27%, compared with an asset-peer median of 1.16%. The leverage ratio was 9.18%.
- Why is Deposit Growth, Year over Year above asset peers?
- Why is Net Loan Growth, Year over Year above asset peers?
- Why is CRE Concentration to Capital below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.4B
+36.3%y/y
Percentile by value59th percentileby value
FDIC
DEP$1.07B
+30.0%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET1.27%
+19 bpsy/y
Peer standing59th percentile
FDIC
NETINC + ROA53.00%
−731 bpsy/y
Peer standing72nd percentile
FDIC
NONIX + NIM + NONII + EEFFR9.18%
−40 bpsy/y
Peer standing18th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $980M | $795M |
| Q3 2021 | $985M | $805M |
| Q4 2021 | $967M | $799M |
| Q1 2022 | $991M | $831M |
| Q2 2022 | $1.02B | $802M |
| Q3 2022 | $996M | $811M |
| Q4 2022 | $1.01B | $809M |
| Q1 2023 | $1.03B | $842M |
| Q2 2023 | $1.09B | $845M |
| Q3 2023 | $1.08B | $836M |
| Q4 2023 | $1.14B | $868M |
| Q1 2024 | $1.13B | $895M |
| Q2 2024 | $1.19B | $895M |
| Q3 2024 | $1.22B | $884M |
| Q4 2024 | $1.24B | $922M |
| Q1 2025 | $1.26B | $1.03B |
| Q2 2025 | $1.53B | $1.29B |
| Q3 2025 | $1.57B | $1.31B |
| Q4 2025 | $1.58B | $1.34B |
| Q1 2026 | $1.6B | $1.4B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $127M |
| Investor CRE | $132M |
| Multifamily | $32.3M |
| Construction | $135M |
| 1–4 family | $271M |
| C&I | $97.8M |
| Agriculture | $250M |
| Other | $38.4M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.27%59th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE13.79%67th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.87%64th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.00%72nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+36.28%97th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+29.98%95th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.01%26th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.18%18th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.55%53rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC185%34th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.27%39th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.70%Median 1.39%90th 2.13%Observations 188
ROE
FDIC
NETINC + ROE13.79%58th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.89%Median 12.98%90th 21.21%Observations 188
NIM
FDIC
NIM + NIMY3.87%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.18%Median 3.86%90th 4.76%Observations 188
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.00%73rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.76%Median 61.16%90th 78.57%Observations 188
Deposits YoY
FDIC
DEP+36.28%97th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.43%Median +5.17%90th +16.33%Observations 188
Loans YoY
FDIC
LNLSNET+29.98%96th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.66%Median +6.07%90th +21.96%Observations 187
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.01%27th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.30%90th 2.12%Observations 187
Leverage
FDIC
RBC1AAJ9.18%17th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.68%Median 10.85%90th 17.67%Observations 188
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.55%31st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.55%Median 2.29%90th 3.27%Observations 188
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC185%77th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 3%Median 83%90th 246%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.27%14th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.13%Median 1.39%90th 2.14%Observations 15
ROE
FDIC
NETINC + ROE13.79%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 11.31%Median 13.79%90th 22.25%Observations 15
NIM
FDIC
NIM + NIMY3.87%57th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.55%Median 3.85%90th 4.13%Observations 15
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.00%71st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.65%Median 61.34%90th 68.09%Observations 15
Deposits YoY
FDIC
DEP+36.28%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.51%Median +4.93%90th +11.34%Observations 15
Loans YoY
FDIC
LNLSNET+29.98%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.32%Median +8.56%90th +14.31%Observations 15
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.01%29th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.22%Median 0.39%90th 2.06%Observations 15
Leverage
FDIC
RBC1AAJ9.18%29th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.07%Median 10.81%90th 15.89%Observations 15
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.55%36th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.45%90th 4.05%Observations 15
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC185%73rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 122%Median 139%90th 276%Observations 12
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 21 branches
- Headquarters
- Mcpherson, KS
FDIC
OFFDOMOpen the Kansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data