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Peoples Bank & Trust Company
Manchester, TN · FDIC Certificate #1475 · Chartered 07/0
Total assets
$168.55M
Total deposits
$142.56M
Total equity
$24.33M
Net loans
$113.51M
Branches (offices)
1
Net income (YTD)
$1.50M
Rank: #3,178 of 4,213 U.S. banks by assets · #96 of 109 in Tennessee. Assets changed 0.4% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 12.63% |
| Net interest margin (YTD) | 5.04% |
| Equity to assets | 14.43% |
| Tier 1 leverage ratio | 14.70% |
| Uninsured deposits (share of deposits) | 20.3% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 79.6% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $100.80M | 88.8% | |
| Commercial & industrial | $7.94M | 7.0% | |
| Consumer / individual | $5.91M | 5.2% | |
| Construction & development | $23.38M | 20.6% | |
| Agricultural | $415.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $152.42M | $136.55M | $611.00K | $14.69M |
| Jun 2023 | $136.03M | $118.15M | $1.10M | $16.48M |
| Jun 2024 | $153.23M | $132.83M | $1.14M | $18.92M |
| Jun 2025 | $167.94M | $144.84M | $1.44M | $21.52M |
| Jun 2026 | $168.55M | $142.56M | $1.50M | $24.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $142.56M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $142.56M.
Similar-sized banks
Union State Bank ($168.69M) · Equitable Savings And Loan Association ($168.34M)
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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