Total Assets
$312M
Total balance-sheet footings
FDIC Cert #22756 · Byrdstown, Tennessee · Est. 1978
People's Bank and Trust Company of Pickett County - FDIC Bank Health Profile
A community-scale look at People's Bank and Trust Company of Pickett County's own numbers, pulled straight from its quarterly FDIC Call Report.
- $312M
- Total assets
- B
- Health grade · Good
- 1.21%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
People's Bank and Trust Company of Pickett County earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.75% Tier 1, profitable at 1.21% ROA, efficient (58% cost ratio).
- #2,435
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 10.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 58th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 22756 · TN B · 76/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL
- GRADE-B B (76/100)
- MID-PACK #2485/4307
- PHOTO-FINISH Bank of Commerce · WY
- TIER1-WELL 10.8% Tier 1
- TEXAS-CLEAN 7.6% Texas
- ROA-PAR 1.21% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Tennessee: Bank of Commerce, WY (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around People's Bank and Trust Company of Pi…
Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.
What People's Bank and Trust Company of Pi…'s Call Report plate shows
People's Bank and Trust Company of Pickett County (FDIC Cert #22756) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,485 of 4,307. Tier 1 capital prints at 10.75%, clearing the 10% well-capitalized line. The Texas Ratio is 7.55%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.21%. Balance-sheet scale is $312M, 2,435th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Commerce (WY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around People's Bank and Trust Company of Pi…
7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)
People's Bank and Trust Company of Pickett County's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; People's Bank and Trust Company of Pickett County remains an active FDIC-insured reporter.
- TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
- COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
- MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.
How People's Bank and Trust Company of Pickett County's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (10.75%) 28/40
Return on Assets (ROA) (1.21%) 20/25
Texas Ratio (7.55%) 16/20
Efficiency Ratio (58.33%) 12/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$275M
Customer-funded liabilities
Net Loans
$222M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where People's Bank and Trust Company of Pickett County ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. People's Bank and Trust Company of Pickett County's score of 76/100 falls in the highlighted band.
People's Bank and Trust Company of Pickett County: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
76 42nd percentile higher than 42% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
People's Bank and Trust Company of Pickett County's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). People's Bank and Trust Company of Pickett County's $312M falls in the highlighted band.
Safety ratios for People's Bank and Trust Company of Pi…
Tier 1 capital ratio
Well-capitalized 10%
10.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.75%
Texas Ratio
7.55%
Equity Capital
$32M
Earnings posture at People's Bank and Trust Company of Pi…
Return on Assets (ROA)
58th percentile nationally
1.21%
Return on Equity (ROE)
12.22%
Efficiency Ratio
58.33%
Income & expense at People's Bank and Trust Company of Pi…
$23M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. People's Bank and Trust Company of Pickett County reports a Texas Ratio of 7.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($312M here), outside Tennessee so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) People's Bank and Trust Company of Pickett County (FDIC Cert #22756) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
People's Bank and Trust Company of Pickett County Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| Wilson Bank and TrustLebanon | $5.9B | A | 1.38% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |