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People'S Bank And Trust Company Of Pickett County
Byrdstown, TN · FDIC Certificate #22756 · Chartered 11/2
Total assets
$319.04M
Total deposits
$280.20M
Total equity
$32.98M
Net loans
$240.24M
Branches (offices)
3
Net income (YTD)
$1.96M
Rank: #2,375 of 4,213 U.S. banks by assets · #72 of 109 in Tennessee. Assets changed 5.1% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 12.20% |
| Net interest margin (YTD) | 4.96% |
| Equity to assets | 10.34% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 14.4% |
| Noncurrent loans (share of loans) | 0.73% |
| Net charge-offs (share of loans) | 0.42% |
| Loans to deposits | 85.7% |
| Real estate loans (share of loans) | 62.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $150.46M | 62.6% | |
| Commercial & industrial | $42.95M | 17.9% | |
| Consumer / individual | $40.32M | 16.8% | |
| Construction & development | $19.65M | 8.2% | |
| Agricultural | $9.27M | 3.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $215.74M | $192.67M | $1.80M | $21.91M |
| Jun 2023 | $241.71M | $215.13M | $1.82M | $24.42M |
| Jun 2024 | $280.89M | $249.66M | $1.72M | $27.08M |
| Jun 2025 | $303.47M | $268.34M | $2.03M | $30.08M |
| Jun 2026 | $319.04M | $280.20M | $1.96M | $32.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $210.00M | 2 |
| Kentucky | $70.20M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $280.20M.
Similar-sized banks
The First National Bank Of Hughes Springs ($319.53M) · 1Nb Bank ($318.99M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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