Peoples Bank and Trust Company: how it compares with its peers
Against 20 KS banks with half to twice its assets, Peoples Bank and Trust Company's strongest measure in Q2 2026 is efficiency ratio (52.18% vs. a 60.71% peer median). Its weakest relative measure is return on assets (0.84% vs. 1.48%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 1.48% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.94% | 3.92% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.18% | 60.71% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.7M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.66% | 78.43% | Context |
What it means for lending operations
Its efficiency ratio of 52.18% is better than the 60.71% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Landmark National Bank Manhattan, KS · $1.60B
- Armed Forces Bank, National Association Fort Leavenworth, KS · $1.42B
- The Bennington State Bank Salina, KS · $1.42B
- Central National Bank Junction City, KS · $1.39B
- CoreFirst Bank & Trust Topeka, KS · $1.26B
- nbkc bank Leawood, KS · $1.24B
Questions about Peoples Bank and Trust Company
How big is Peoples Bank and Trust Company?
Peoples Bank and Trust Company, established in 1898, is headquartered in Mcpherson, KS. It reported $1.59B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is Peoples Bank and Trust Company's return on assets?
0.84% annualized in Q2 2026, against a 1.48% median for 20 KS banks with half to twice its assets, ahead of 0% of them.
What is Peoples Bank and Trust Company's efficiency ratio?
52.18% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 60.71%, and lower is better.
Is Peoples Bank and Trust Company growing its loans?
Net loans grew 3.0% over the year to Q2 2026, while deposits grew 7.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.