Total Assets
$47M
Total balance-sheet footings
FDIC Cert #2331 · Ryan, Oklahoma · Est. 1906
Peoples Bank and Trust Company - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $47M
- Total assets
- D
- Health grade · Weak
- -0.91%
- Return on assets
- 22.0%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples Bank and Trust Company earns a PlainBankData health grade of D (44/100), with well-capitalized at 22.04% Tier 1, -0.91% ROA, 142% efficiency ratio.
- #4,147
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 22.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 2331 · OK D · 44/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL
- GRADE-D D (44/100)
- BOTTOM-DECILE #4219/4307
- PHOTO-FINISH Small Business Bank · KS
- TIER1-WELL 22.0% Tier 1
- TEXAS-HEALTHY 30.8% Texas
- ROA-LOSS -0.91% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Oklahoma: Small Business Bank, KS (±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 Peoples Bank and Trust Company
Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.
What Peoples Bank and Trust Company's Call Report plate shows
Peoples Bank and Trust Company (FDIC Cert #2331) carries a PlainBankData health grade of D at 44/100, 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 #4,219 of 4,307. Tier 1 capital prints at 22.04%, clearing the 10% well-capitalized line. The Texas Ratio is 30.84%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.91%. Balance-sheet scale is $47M, 4,147th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Small Business Bank (KS), 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 Peoples Bank and Trust Company
8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)
Peoples Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Peoples Bank and Trust Company remains an active FDIC-insured reporter.
- FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
- THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
- THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.
How Peoples Bank and Trust Company's 44/100 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 (22.04%) 40/40
Return on Assets (ROA) (-0.91%) 0/25
Texas Ratio (30.84%) 4/20
Efficiency Ratio (142.44%) 0/15
44 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$36M
Customer-funded liabilities
Net Loans
$32M
Outstanding loan book
Net Income
$-409K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Bank and Trust Company's score of 44/100 falls in the highlighted band.
Peoples Bank and Trust Company: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
44 2nd percentile higher than 2% 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
Peoples Bank and Trust Company'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). Peoples Bank and Trust Company's $47M falls in the highlighted band.
Safety ratios for Peoples Bank and Trust Company
Tier 1 capital ratio
Well-capitalized 10%
22.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.04%
Texas Ratio
30.84%
Equity Capital
$10M
Profitability metrics: Peoples Bank and Trust Company
Return on Assets (ROA)
2nd percentile nationally
-0.91%
Return on Equity (ROE)
-4.75%
Efficiency Ratio
142.44%
Income & expense: loss period at Peoples Bank and Trust Company
$1M
Interest Income
$58K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Bank and Trust Company reports a Texas Ratio of 30.84% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
30.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Peoples Bank and Trust Company
Peoples Bank and Trust Company's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-409K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Peoples Bank and Trust Company up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Oklahoma by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($47M here), outside Oklahoma so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Bank and Trust Company (FDIC Cert #2331) - 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.
Peoples Bank and Trust Company Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |