🏦Bank Scorer

PEOPLES BANK AND TRUST COMPANY

RYAN, OK · Supervised by FDIC

Est. 1906FDIC #2,331RSSD: FDIC-2331
Satisfactory Same

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.57%

Is this bank safe?

PEOPLES BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2026), and shows financial metrics that merit closer review (ROA -0.57%).

Institution Profile

FDIC BankFind

Address

517 Washington Street, RYAN, OK

County

Jefferson County

Established

March 5, 1906

Total Assets

$51M(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

January 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2031(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$51M

Total Deposits

$37M

Net Loans

$32M

Net Income

$-70K

ROA

-0.57%

Below avg for Small banks. Peer avg: 0.44%

ROE

-2.96%

Risk-Based Capital

19.63%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-0.57%Peer avg: 0.44%▼ Below avg
Risk-Based Capital19.63%Peer avg: 23.03%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$34M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jan 2026SatisfactorySmall Bank
Dec 2019SatisfactorySmall Bank
Oct 2018Needs to ImproveSmall Bank

8 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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