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Peoples Bank And Trust Company
Ryan, OK · FDIC Certificate #2331 · Chartered 03/0
Total assets
$61.88M
Total deposits
$49.19M
Total equity
$9.58M
Net loans
$42.65M
Branches (offices)
2
Net income (YTD)
-$350.00K
Rank: #3,956 of 4,213 U.S. banks by assets · #149 of 168 in Oklahoma. Assets changed 40.4% and deposits 45.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.32% |
| Return on equity | -7.48% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 15.48% |
| Tier 1 leverage ratio | 14.36% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 10.85% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 86.7% |
| Real estate loans (share of loans) | 56.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $24.07M | 56.4% | |
| Commercial & industrial | $15.71M | 36.8% | |
| Consumer / individual | $363.00K | 0.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $3.93M | 9.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $62.12M | $46.98M | $123.00K | $6.60M |
| Jun 2023 | $44.36M | $35.72M | $388.00K | $7.51M |
| Jun 2024 | $43.56M | $32.41M | $42.00K | $7.53M |
| Jun 2025 | $44.09M | $33.77M | -$152.00K | $7.41M |
| Jun 2026 | $61.88M | $49.19M | -$350.00K | $9.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $49.19M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $49.19M.
Similar-sized banks
First Security Bank ($61.92M) · First National Bank In Frankfort ($61.57M)
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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