B
Peoples Bank & Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Peoples Bank & Trust Company
Manchester, TN
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Rating B
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 9.70
Stability Index 6.30
Company Info Peoples Bank & Trust Company
Manchester, TN
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FDIC Number 1475
Phone Number (931) 728-3381
Website www.bankwithpeoples.com
Asset Quality Peoples Bank & Trust Company
Manchester, TN
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1-Year Asset Growth 9.60%
5-Year Asset Growth 10.87%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.08%
Non-Performing Loans to Loans 0.23%
Balance Sheet Peoples Bank & Trust Company
Manchester, TN
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Total Assets 167.94M
Total Deposits 144.85M
Capital and Reserves Peoples Bank & Trust Company
Manchester, TN
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Capital 21.52M
Leverage Ratio 13.66
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio --
Liquidity Peoples Bank & Trust Company
Manchester, TN
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Hot Money Ratio 20.55%
Liquidity Ratio 32.25%
Profitability Peoples Bank & Trust Company
Manchester, TN
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5-Year Return on Average Assets 1.30%
Net Income 1.44M
Net Interest Spread 4.89%
Operating Profit to Average Assets 2.38%
Overhead Efficiency Ratio 51.67%
Return on Assets 1.76%
Return on Equity 13.89%