Peoples Bank and Trust Company (FDIC certificate #2331) is based in Ryan, Oklahoma. Its Q2 2026 call report shows $61.9M in total assets and $49.2M in deposits and 3 offices across 2 states.
Peoples Bank and Trust Company has a TellerScore of 39 out of 100 (low) based on Q2 2026 data — higher than only 3% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 161st. Capital cushion contributes the most (94/100, 14.36%); earnings contributes the least (0/100, -1.32%).
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 fell 9 points (48 → 39), mostly because the problem-loan coverage component weakened by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 61 |
| Q4 2024 | 63 |
| Q1 2025 | 59 |
| Q2 2025 | 48 |
| Q3 2025 | 47 |
| Q4 2025 | 44 |
| Q1 2026 | 43 |
| Q2 2026 | 39 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.26% |
| Q3 2024 | 17.95% |
| Q4 2024 | 18.29% |
| Q1 2025 | 17.66% |
| Q2 2025 | 15.81% |
| Q3 2025 | 19.41% |
| Q4 2025 | 16.70% |
| Q1 2026 | 15.71% |
| Q2 2026 | 14.36% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.07% |
| Q3 2024 | 5.76% |
| Q4 2024 | 4.89% |
| Q1 2025 | 5.36% |
| Q2 2025 | 5.63% |
| Q3 2025 | 4.48% |
| Q4 2025 | 9.64% |
| Q1 2026 | 10.87% |
| Q2 2026 | 10.85% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.45% |
| Q1 2025 | 0.90% |
| Q2 2025 | -0.69% |
| Q3 2025 | -0.45% |
| Q4 2025 | -1.00% |
| Q1 2026 | -0.68% |
| Q2 2026 | -1.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 39 | $61.9M | 14.36% | 10.85% | -1.32% | 86.7% |
| Q1 2026 | 43 | $50.4M | 15.71% | 10.87% | -0.68% | 84.1% |
| Q4 2025 | 44 | $46.8M | 16.70% | 9.64% | -1.00% | 86.0% |
| Q3 2025 | 47 | $45.3M | 19.41% | 4.48% | -0.45% | 95.3% |
| Q2 2025 | 48 | $44.1M | 15.81% | 5.63% | -0.69% | 75.4% |
| Q1 2025 | 59 | $45.4M | 17.66% | 5.36% | 0.90% | 76.9% |
| Q4 2024 | 63 | $42.2M | 18.29% | 4.89% | 1.45% | 90.4% |
| Q3 2024 | 61 | $42.3M | 17.95% | 5.76% | 1.16% | 82.3% |
| Q2 2024 | 54 | $43.6M | 17.26% | 4.07% | 0.19% | 79.8% |
546 peers · Under $100 million in assets
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 Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Noble, OK | 67 out of 100, Moderate | $61.5M | 11.3% | 0.76% | vs |
| Bank360Bank Cordell, OK | 42 out of 100, Below average | $61.0M | 9.4% | 3.97% | vs |
| First Bank of ThomasBank Thomas, OK | 64 out of 100, Moderate | $63.2M | 12.6% | 2.29% | vs |
| Fairview Savings and Loan AssociationBank Fairview, OK | 92 out of 100, Very strong | $65.1M | 20.8% | 0.00% | vs |
| Grant County BankBank Medford, OK | 81 out of 100, Strong | $58.4M | 15.6% | 0.12% | vs |
| Latimer State BankBank Wilburton, OK | 90 out of 100, Very strong | $65.5M | 25.0% | 0.83% | 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 #2331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.3% of deposits ($13.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.27% (benchmark: 10%).
3 locations
Branches
Peoples Bank and Trust Company lists 3 offices in 3 cities across 2 states. Most locations:
- Edmond, OK (1)
- Ryan, OK (1)
- Wichita Falls, TX (1)
Identity & history
Profile
- Legal name
- Peoples Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 2331
- RSSD ID
- 243955
- Primary regulator
- FDIC
- Established
- March 5, 1906
- Headquarters
- 517 Washington Street, Ryan, OK 73565
- Website
- www.peoplesbankusa.com
- Employees
- 15
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 #2331). 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?
39 out of 100 (Low), 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 #2331 in the FDIC failed bank list.
How many branches does Peoples Bank and Trust Company have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Ryan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Farmers National Bank of WaurikaBank Waurika, OK | 94 out of 100, Very strong | $55.5M | 19.3% | 0.00% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| First National Bank and Trust Company of ArdmoreBank Ardmore, OK | 79 out of 100, Strong | $686.7M | 10.1% | 0.03% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| First State Bank in TempleBank Temple, OK | 64 out of 100, Moderate | $26.4M | 22.2% | 8.60% | vs |
| First Bank & Trust Co.Bank Duncan, OK | 61 out of 100, Moderate | $952.1M | 14.9% | 5.22% | vs |