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 2.20
Profitability Index 9.90
Stability Index 5.70
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 9.39%
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 0.16%
Non-Performing Loans to Capital 1.11%
Non-Performing Loans to Loans 0.24%
Balance Sheet Peoples Bank & Trust Company
Manchester, TN
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Total Assets 170.07M
Total Deposits 145.64M
Capital and Reserves Peoples Bank & Trust Company
Manchester, TN
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Capital 22.62M
Leverage Ratio 13.70
Loan Loss Reserves to Loans 1.34%
Risk-Based Capital Ratio --
Liquidity Peoples Bank & Trust Company
Manchester, TN
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Hot Money Ratio 21.80%
Liquidity Ratio 28.53%
Profitability Peoples Bank & Trust Company
Manchester, TN
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5-Year Return on Average Assets 1.30%
Net Income 2.25M
Net Interest Spread 4.94%
Operating Profit to Average Assets 2.45%
Overhead Efficiency Ratio 50.71%
Return on Assets 1.82%
Return on Equity 14.20%