Peoples Bank & Trust Company is a state-chartered bank headquartered in Manchester, Tennessee, in business for about 121 years. At the end of Q2 2026 it reported $168.6M in total assets and $142.6M in deposits, with 1 office.
Peoples Bank & Trust Company has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 1st. Problem-loan coverage contributes the most (100/100, 0.1%); funding & liquidity contributes the least (75/100, 80% loans-to-deposits, 20% uninsured).
TellerScore · Q2 2026
Scorecard
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 rose 4 points (89 → 93), mostly because the capital cushion component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 89 |
| Q4 2024 | 89 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 88 |
| Q4 2025 | 90 |
| Q1 2026 | 92 |
| Q2 2026 | 93 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.62% |
| Q3 2024 | 13.45% |
| Q4 2024 | 13.67% |
| Q1 2025 | 13.50% |
| Q2 2025 | 13.66% |
| Q3 2025 | 13.70% |
| Q4 2025 | 13.69% |
| Q1 2026 | 14.26% |
| Q2 2026 | 14.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.52% |
| Q3 2024 | 1.56% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.70% |
| Q2 2025 | 1.77% |
| Q3 2025 | 1.83% |
| Q4 2025 | 1.82% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $168.6M | 14.70% | 0.02% | 1.76% | 79.6% |
| Q1 2026 | 92 | $170.4M | 14.26% | 0.02% | 1.68% | 77.8% |
| Q4 2025 | 90 | $171.6M | 13.69% | 0.02% | 1.82% | 76.7% |
| Q3 2025 | 88 | $170.1M | 13.70% | 0.24% | 1.83% | 77.3% |
| Q2 2025 | 89 | $167.9M | 13.66% | 0.24% | 1.77% | 74.0% |
| Q1 2025 | 88 | $164.4M | 13.50% | 0.23% | 1.70% | 73.1% |
| Q4 2024 | 89 | $154.8M | 13.67% | 0.00% | 1.53% | 74.6% |
| Q3 2024 | 89 | $155.5M | 13.45% | 0.03% | 1.56% | 71.8% |
| Q2 2024 | 90 | $153.2M | 13.62% | 0.02% | 1.52% | 70.3% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central BankBank Savannah, TN | 78 out of 100, Strong | $160.2M | 12.0% | 0.00% | vs |
| Putnam 1st Mercantile BankBank Cookeville, TN | 82 out of 100, Strong | $178.9M | 11.7% | 0.13% | vs |
| UBankBank Knoxville, TN | 73 out of 100, Strong | $182.8M | 13.1% | 0.68% | vs |
| Heritage Community BankBank Greeneville, TN | 71 out of 100, Strong | $184.4M | 10.3% | 0.03% | vs |
| Greenfield Banking CompanyBank Greenfield, TN | 59 out of 100, Moderate | $151.2M | 8.5% | 1.03% | vs |
| Citizens Savings Bank and Trust CompanyBank Nashville, TN | 32 out of 100, Low | $188.1M | 9.6% | 2.72% | vs |
Deposit insurance
Is my money safe at Peoples Bank & Trust Company?
Yes. Peoples Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1475). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.3% of deposits ($28.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Peoples Bank & Trust Company lists 1 office in 1 city. Most locations:
- Manchester, TN (1)
Identity & history
Profile
- Legal name
- Peoples Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 1475
- RSSD ID
- 28732
- Primary regulator
- FDIC
- Holding company
- Peoples Bcorp Inc
- Established
- July 6, 1905
- Headquarters
- 1203 Hillsboro Blvd, Manchester, TN 37355
- Website
- www.bankwithpeoples.com
- Employees
- 26
Quick answers
Peoples Bank & Trust Company: common questions
Is Peoples Bank & Trust Company FDIC insured?
Yes. Peoples Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1475). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank & Trust Company's TellerScore?
93 out of 100 (Very strong), 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 & Trust Company ever failed?
There is no failure record for FDIC certificate #1475 in the FDIC failed bank list.
How many branches does Peoples Bank & Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Manchester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Citizens Community BankBank Winchester, TN | 90 out of 100, Very strong | $352.6M | 14.6% | 0.38% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN | 80 out of 100, Strong | $386.0M | 11.9% | 0.00% | vs |
| First Vision Bank of TennesseeBank Tullahoma, TN | 77 out of 100, Strong | $414.2M | 12.4% | 0.08% | vs |