People's Bank and Trust Company of Pickett County

Byrdstown, TN

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
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Weiss Ratings	People's Bank and Trust Company of Pickett County Byrdstown, TN	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	4.20
Capitalization Index	9.50
Liquidity Index	0.60
Profitability Index	6.90
Stability Index	3.70

Company Info	People's Bank and Trust Company of Pickett County Byrdstown, TN	Click to Compare	Click to Compare	Click to Compare
FDIC Number	22756
Phone Number	(931) 864-3168
Website	www.peoplesbankbyrdstown.com

Asset Quality	People's Bank and Trust Company of Pickett County Byrdstown, TN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	9.36%
5-Year Asset Growth	26.68%
5-Year Charge-Offs to Average Loans	0.19%
Charge-Offs to Average Loans	0.87%
Non-Performing Assets to Assets	0.70%
Non-Performing Loans to Capital	6.37%
Non-Performing Loans to Loans	0.88%

Balance Sheet	People's Bank and Trust Company of Pickett County Byrdstown, TN	Click to Compare	Click to Compare	Click to Compare
Total Assets	307.37M
Total Deposits	270.83M

Capital and Reserves	People's Bank and Trust Company of Pickett County Byrdstown, TN	Click to Compare	Click to Compare	Click to Compare
Capital	30.81M
Leverage Ratio	10.63
Loan Loss Reserves to Loans	1.07%
Risk-Based Capital Ratio	--

Liquidity	People's Bank and Trust Company of Pickett County Byrdstown, TN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	51.64%
Liquidity Ratio	22.24%

Profitability	People's Bank and Trust Company of Pickett County Byrdstown, TN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.48%
Net Income	2.90M
Net Interest Spread	4.89%
Operating Profit to Average Assets	1.64%
Overhead Efficiency Ratio	56.38%
Return on Assets	1.28%
Return on Equity	13.10%