BlastPoint's Banking Scorecard
Peoples Bank and Trust Company
Micro
Specialty: Commercial
OK
FDIC cert 2331
Designations: ✓ Community bank
Ryan, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Peoples Bank and Trust Company faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.87% below tier
- - Net Interest Margin 1.72% below tier
- - Efficiency Ratio 64.09% above tier
- - Delinquency Rate 9.10% above tier
- - Nonperforming Asset Ratio 6.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.0M
+11.3% YoY
+3.6% QoQ
|
-$170.5M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$31.7M
+12.6% YoY
+1.3% QoQ
|
-$107.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$35.6M
+14.3% YoY
+8.4% QoQ
|
-$148.0M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
-0.78%
-154.0% YoY
-75.2% QoQ
|
-1.87% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.13%
-65.6% YoY
+60.7% QoQ
|
-1.72% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
131.82%
+72.6% YoY
+28.3% QoQ
|
+64.09% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
9.74%
+96.6% YoY
+114.1% QoQ
|
+9.10% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
89.07%
-1.5% YoY
-6.6% QoQ
|
+14.54% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
12.48%
-9.9% YoY
-12.1% QoQ
|
-9.91% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
6.70%
+95.0% YoY
+105.3% QoQ
|
+6.24% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
22.18%
-10.3% YoY
-6.9% QoQ
|
+13.33% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.12%
-94.5% YoY
-12.6% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.78%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.13%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
131.82%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
9.74%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.70%
(Tier avg: 0.45%, National avg: 0.48%)
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
90
90th pctile
Tier 1 Capital Ratio
Current: 22.18% · Tier avg: 8.85%
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.07% · Tier avg: 74.53%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.48% · Tier avg: 22.39%
12
12th pctile
Total Loans
Current: $31.7M · Tier avg: $139.2M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
6
6th pctile
Total Assets
Current: $47.0M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $35.6M · Tier avg: $183.7M
3
3th pctile
Return on Assets
Current: -0.78% · Tier avg: 1.08%
3
3th pctile
Net Interest Margin
Current: 2.13% · Tier avg: 3.85%
1
1th pctile
Efficiency Ratio
Current: 131.82% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 9.74% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 6.70% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 6.70% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 9.74% · Tier avg: 0.64%
1
1th pctile
Efficiency Ratio
Current: 131.82% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.13% · Tier avg: 3.85%
3
3th pctile
Return on Assets
Current: -0.78% · Tier avg: 1.08%
6
6th pctile
Total Deposits
Current: $35.6M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $47.0M · Tier avg: $217.5M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
12
12th pctile
Total Loans
Current: $31.7M · Tier avg: $139.2M
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.48% · Tier avg: 22.39%
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.07% · Tier avg: 74.53%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.18% · Tier avg: 8.85%