TellerScore

Peoples Bank and Trust Company (FDIC certificate #1365) is based in Mcpherson, Kansas. Its Q2 2026 call report shows $1.6B in total assets and $1.4B in deposits and 21 offices.

Peoples Bank and Trust Company has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 164th. Problem-loan coverage contributes the most (87/100, 6.7%); capital cushion contributes the least (43/100, 9.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.27%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.92%
Earnings53/100
Return on assets (annualized): 0.84%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 75.7% · 24.8% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (63 → 61), mostly because the loan quality component weakened by 16 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202466
Q1 202567
Q2 202563
Q3 202564
Q4 202562
Q1 202663
Q2 202661
Tier 1 leverage ratio
5.00%7.29%9.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.43%
Q3 20249.44%
Q4 20249.32%
Q1 20259.58%
Q2 20258.62%
Q3 20258.74%
Q4 20258.92%
Q1 20269.18%
Q2 20269.27%
Noncurrent loans
0.37%0.69%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.41%
Q4 20240.37%
Q1 20250.51%
Q2 20250.45%
Q3 20250.45%
Q4 20250.91%
Q1 20261.01%
Q2 20260.92%
Return on assets
0.82%1.06%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.23%
Q4 20241.02%
Q1 20251.09%
Q2 20250.82%
Q3 20251.03%
Q4 20251.12%
Q1 20261.27%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.6B9.27%0.92%0.84%75.7%
Q1 202663$1.6B9.18%1.01%1.27%76.0%
Q4 202562$1.6B8.92%0.91%1.12%78.8%
Q3 202564$1.6B8.74%0.45%1.03%79.3%
Q2 202563$1.5B8.62%0.45%0.82%79.2%
Q1 202567$1.3B9.58%0.51%1.09%79.7%
Q4 202466$1.2B9.32%0.37%1.02%85.6%
Q3 202468$1.2B9.44%0.41%1.23%84.6%
Q2 202468$1.2B9.43%0.47%1.29%81.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.27%
18th
Total risk-based capital12.30%
35th
Problem loans0.92%
29th
Net charge-offs0.61%
6th
Return on assets0.84%
21st
Net interest margin3.94%
65th
Efficiency ratio52.2%
71st
Loans to deposits75.7%
75th
Uninsured deposits24.8%
71st
Loan-loss reserves1.74%
92nd
Texas ratio6.7%
28th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Landmark National BankBank Manhattan, KS62 out of 100, Moderate$1.6B10.2%1.18%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
The Bennington State BankBank Salina, KS75 out of 100, Strong$1.4B9.5%0.29%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
CoreFirst Bank & TrustBank Topeka, KS71 out of 100, Strong$1.3B8.7%0.21%vs
Nbkc BankBank Leawood, KS82 out of 100, Strong$1.2B17.1%1.45%vs

Deposit insurance

Is my money safe at Peoples Bank and Trust Company?

Yes. Peoples Bank and Trust Company is an FDIC-insured institution (FDIC certificate #1365). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.8% of deposits ($346.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.27%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.30% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

Peoples Bank and Trust Company lists 21 offices in 16 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples Bank and Trust Company reported 1,315 home-loan applications under HMDA (LEI 54930091IM32ECQG7562): 1,159 originated ($265,035,000 total), 60 denied, and 96 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Peoples Bank and Trust Company
Former names
Peoples State Bank
Type
State-chartered bank
FDIC certificate #
1365
RSSD ID
153353
Primary regulator
FDIC
Holding company
Pbt Bancshares Inc
Established
November 1, 1898
Headquarters
101 S Main St, Mcpherson, KS 67460
Employees
239

Quick answers

Peoples Bank and Trust Company: common questions

Is Peoples Bank and Trust Company FDIC insured?

Yes. Peoples Bank and Trust Company is an FDIC-insured institution (FDIC certificate #1365). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Bank and Trust Company's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Peoples Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #1365 in the FDIC failed bank list.

How many branches does Peoples Bank and Trust Company have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mcpherson

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens State BankBank Moundridge, KS95 out of 100, Very strong$450.6M14.4%0.01%vs
The State Bank of Canton, Canton, KansasBank Canton, KS91 out of 100, Very strong$36.6M22.1%0.00%vs
Dillon Credit UnionCredit union Hutchinson, KS82 out of 100, Strong$79.8M14.0%1.11%vs
First Bank KansasBank Salina, KS79 out of 100, Strong$618.5M8.8%0.04%vs
The Bank of TescottBank Tescott, KS79 out of 100, Strong$648.3M10.6%0.08%vs
The Farmers State BankBank Mcpherson, KS78 out of 100, Strong$180.5M10.0%0.01%vs