🏦Bank Scorer

PEOPLES BANK AND TRUST COMPANY

MCPHERSON, KS · Supervised by FDIC

Est. 1898FDIC #1,365RSSD: FDIC-1365
Part ofPBT BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

101 S Main St, MCPHERSON, KS

County

Mcpherson County

Established

November 1, 1898

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.4B

Net Loans

$1.1B

Net Income

$5M

ROA

1.27%

ROE

13.79%

Risk-Based Capital

12.18%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

21

Branch Deposits

$1.3B

1-Year Change

+4

5-year net change: +8 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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