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Peoples Bank And Trust Company
Mcpherson, KS · FDIC Certificate #1365 · Chartered 11/0
Total assets
$1.59B
Total deposits
$1.40B
Total equity
$149.39M
Net loans
$1.06B
Branches (offices)
21
Net income (YTD)
$6.66M
Rank: #710 of 4,213 U.S. banks by assets · #10 of 183 in Kansas. Assets changed 3.8% and deposits 7.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.84% |
| Return on equity | 9.01% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 9.39% |
| Tier 1 leverage ratio | 9.27% |
| Uninsured deposits (share of deposits) | 24.8% |
| Noncurrent loans (share of loans) | 0.92% |
| Net charge-offs (share of loans) | 0.61% |
| Loans to deposits | 75.7% |
| Real estate loans (share of loans) | 82.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $866.75M | 82.1% | |
| Commercial & industrial | $92.71M | 8.8% | |
| Consumer / individual | $27.63M | 2.6% | |
| Construction & development | $108.50M | 10.3% | |
| Agricultural | $78.12M | 7.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.02B | $802.47M | $4.49M | $64.11M |
| Jun 2023 | $1.09B | $845.12M | $4.67M | $74.94M |
| Jun 2024 | $1.19B | $894.74M | $7.41M | $89.54M |
| Jun 2025 | $1.53B | $1.29B | $5.54M | $125.95M |
| Jun 2026 | $1.59B | $1.40B | $6.66M | $149.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $1.40B | 21 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.40B.
Similar-sized banks
The Cecilian Bank ($1.59B) · Banksouth ($1.59B)
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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