BlastPoint's Banking Scorecard
Peoples Bank & Trust Company
Micro
Specialty: Commercial
TN
FDIC cert 1475
Designations: ✓ Community bank
Manchester, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Peoples Bank & Trust Company shows strong momentum with 1 strength and 10.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.23% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$171.6M
+10.9% YoY
+0.9% QoQ
|
-$45.9M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$112.7M
+13.1% YoY
+0.1% QoQ
|
-$26.5M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$146.8M
+10.0% YoY
+0.8% QoQ
|
-$36.8M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.82%
+18.5% YoY
-0.6% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
5.08%
+5.7% YoY
+0.6% QoQ
|
+1.23% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
50.68%
-8.8% YoY
-0.0% QoQ
|
-17.04% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.02%
+253.6% YoY
-92.8% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
76.75%
+2.8% YoY
-0.7% QoQ
|
+2.22% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
34.08%
-5.0% YoY
-0.9% QoQ
|
+11.69% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.01%
+260.8% YoY
-92.8% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.47%
+3.8% YoY
+30.9% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.08%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.85%
89
89th pctile
Efficiency Ratio
Current: 50.68% · Tier avg: 67.73%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.08% · Tier avg: 22.39%
85
85th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
65
65th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.75% · Tier avg: 74.53%
47
47th pctile
Total Loans
Current: $112.7M · Tier avg: $139.2M
45
45th pctile
Total Deposits
Current: $146.8M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $171.6M · Tier avg: $217.5M
Top Weaknesses
44
44th pctile
Total Assets
Current: $171.6M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $146.8M · Tier avg: $183.7M
47
47th pctile
Total Loans
Current: $112.7M · Tier avg: $139.2M
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.75% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
85
85th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.08% · Tier avg: 22.39%
89
89th pctile
Efficiency Ratio
Current: 50.68% · Tier avg: 67.73%
92
92th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.85%