People's Bank and Trust Company of Pickett County: how it compares with its peers
Against 51 TN banks with half to twice its assets, People's Bank and Trust Company of Pickett County's strongest measure in Q2 2026 is net interest margin (4.96% vs. a 4.01% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $6.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.24% | 1.01% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.96% | 4.01% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.11% | 67.88% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.4M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.74% | 82.81% | Context |
What it means for lending operations
Its efficiency ratio of 59.11% is better than the 67.88% 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
- TNBANK Oak Ridge, TN · $318M
- Decatur County Bank Decaturville, TN · $326M
- Elizabethton Federal Savings Bank Elizabethton, TN · $326M
- Traditions First Bank Erin, TN · $337M
- Bank of Crockett Bells, TN · $299M
- Bank of Dickson Dickson, TN · $291M
Questions about People's Bank and Trust Company of Pickett County
How big is People's Bank and Trust Company of Pickett County?
People's Bank and Trust Company of Pickett County, established in 1978, is headquartered in Byrdstown, TN. It reported $319M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is People's Bank and Trust Company of Pickett County's return on assets?
1.24% annualized in Q2 2026, against a 1.01% median for 51 TN banks with half to twice its assets, ahead of 67% of them.
What is People's Bank and Trust Company of Pickett County's efficiency ratio?
59.11% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 67.88%, and lower is better.
Is People's Bank and Trust Company of Pickett County growing its loans?
Net loans grew 11.6% over the year to Q2 2026, while deposits grew 4.4%.
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 TN 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 Tennessee bank ranked.