People's Bank and Trust Company of Pickett County (FDIC certificate #22756) is based in Byrdstown, Tennessee. Its Q2 2026 call report shows $319.0M in total assets and $280.2M in deposits and 3 offices across 2 states.
Based on its Q2 2026 filing, People's Bank and Trust Company of Pickett County scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 59th. Its strongest component is problem-loan coverage (87/100; 6.7%), and its lowest is capital cushion (58/100; 10.85%).
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 3 points (67 → 70), mostly because the loan quality component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 61 |
| Q4 2024 | 62 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 66 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.80% |
| Q3 2024 | 10.52% |
| Q4 2024 | 10.65% |
| Q1 2025 | 10.69% |
| Q2 2025 | 10.76% |
| Q3 2025 | 10.63% |
| Q4 2025 | 10.75% |
| Q1 2026 | 10.77% |
| Q2 2026 | 10.85% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.86% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.37% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.01% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.09% |
| Q2 2026 | 0.73% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.14% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $319.0M | 10.85% | 0.73% | 1.24% | 85.7% |
| Q1 2026 | 66 | $318.6M | 10.77% | 1.09% | 1.14% | 83.1% |
| Q4 2025 | 67 | $312.0M | 10.75% | 1.15% | 1.21% | 80.6% |
| Q3 2025 | 68 | $307.4M | 10.63% | 1.01% | 1.29% | 81.2% |
| Q2 2025 | 67 | $303.5M | 10.76% | 1.27% | 1.36% | 80.3% |
| Q1 2025 | 67 | $297.8M | 10.69% | 1.41% | 1.62% | 80.2% |
| Q4 2024 | 62 | $289.9M | 10.65% | 1.37% | 1.12% | 82.2% |
| Q3 2024 | 61 | $281.1M | 10.52% | 1.47% | 1.00% | 82.9% |
| Q2 2024 | 50 | $280.9M | 10.80% | 2.86% | 1.25% | 81.8% |
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 |
|---|---|---|---|---|---|
| TnbankBank Oak Ridge, TN | 58 out of 100, Moderate | $318.1M | 10.6% | 1.34% | vs |
| Decatur County BankBank Decaturville, TN | 59 out of 100, Moderate | $325.6M | 9.0% | 0.98% | vs |
| Elizabethton Federal Savings BankBank Elizabethton, TN | 86 out of 100, Very strong | $326.0M | 42.3% | 0.25% | vs |
| Traditions First BankBank Erin, TN | 70 out of 100, Strong | $336.6M | 9.9% | 0.01% | vs |
| Bank of CrockettBank Bells, TN | 76 out of 100, Strong | $299.1M | 10.5% | 0.29% | vs |
| Bank of DicksonBank Dickson, TN | 78 out of 100, Strong | $291.0M | 11.5% | 0.00% | vs |
Deposit insurance
Is my money safe at People's Bank and Trust Company of Pickett County?
Yes. People's Bank and Trust Company of Pickett County is an FDIC-insured institution (FDIC certificate #22756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.4% of deposits ($40.2M) 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 10.85%, 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%).
3 locations
Branches
People's Bank and Trust Company of Pickett County lists 3 offices in 3 cities across 2 states. Most locations:
- Albany, KY (1)
- Byrdstown, TN (1)
- Livingston, TN (1)
Identity & history
Profile
- Legal name
- People's Bank and Trust Company of Pickett County
- Type
- State-chartered bank
- FDIC certificate #
- 22756
- RSSD ID
- 942539
- Primary regulator
- FDIC
- Holding company
- Employee Stk Ownership Tr Peoples B&t Pickett Cnty
- Established
- November 27, 1978
- Headquarters
- 19 Courthouse Sq, Byrdstown, TN 38549
- Website
- pbt.bank
- Employees
- 56
Quick answers
People's Bank and Trust Company of Pickett County: common questions
Is People's Bank and Trust Company of Pickett County FDIC insured?
Yes. People's Bank and Trust Company of Pickett County is an FDIC-insured institution (FDIC certificate #22756). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is People's Bank and Trust Company of Pickett County's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has People's Bank and Trust Company of Pickett County ever failed?
There is no failure record for FDIC certificate #22756 in the FDIC failed bank list.
How many branches does People's Bank and Trust Company of Pickett County have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Byrdstown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of TennesseeBank Livingston, TN | 86 out of 100, Very strong | $1.4B | 11.6% | 0.28% | vs |
| Citizens Bank of Cumberland County, Inc.Bank Burkesville, KY | 84 out of 100, Strong | $94.9M | 12.3% | 0.51% | vs |
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| The Citizens National Bank of SomersetBank Somerset, KY | 75 out of 100, Strong | $700.9M | 9.0% | 0.18% | vs |
| Builtwell BankBank Chattanooga, TN | 73 out of 100, Strong | $2.3B | 9.7% | 0.57% | vs |