Peoples Bank and Trust Company
Ryan, OK
IDRSSD: 243955
Total Assets
$45.32M
Latest filing
Total Deposits
$32.88M
Latest filing
Net Interest Margin
-4.75%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Peoples Bank and Trust Company
517 Washington Street
Ryan, OK 73565
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/05/1906FDIC Certificate 1546
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Peoples Bank and Trust Company (Main) | 517 Washington Street | Ryan, OK |
| EDMOND BRANCH | 2400 Nw 178th St | Edmond, OK |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/05/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73565 |
| State and County Number | 40067 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/17/2008 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.peoplesbankusa.com |
| Data Updated | 11/14/2025 |
| CERT | 2331 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $45.32M |
| Total Deposits | $32.88M |
| Total Liabilities | $35.56M |
| Total Equity Capital | $9.75M |
| Net Income | $4.00k |
| Net Loans and Leases | $31.34M |
| Assets Per Employee ($Millions) | $3.02M |
| Bank Premises and Fixed Assets | $1.87M |
| Cash and Balances due from Depository Institutions | $5.56M |
| Deposits Held in Domestic Offices | $32.88M |
Key Performance Ratios
| Return on Assets (ROA) | 0.04% |
| Return on Equity (ROE) | 0.19% |
| Net Interest Margin | -4.75% |
| Efficiency Ratio | 139.03% |
| Tier 1 Risk-Based Capital Ratio | 23.012% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.32% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 21.523% |
| Earning Assets to total Assets | 84.08% |
Income and Expense
| Total Interest Income | $-766,000 |
| Total Noninterest Income | $56.00k |
| Total Interest Expense | $-318,000 |
| Total Noninterest Expense | $-545,000 |
| Net Interest Income | $-448,000 |
| Pre-tax Net Operating Income | $6.00k |
| Provision for Credit Losses | $147.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $52.00k |
| Other borrowed funds | $421.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $183.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.27M |
| Total Liabilities and Capital | $45.32M |
Securities
| Securities | $1.98M |
| Available-for-sale debt securities | $1.97M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples Bank and Trust Company?
$45.32M as of the latest filing.
How much are Peoples Bank and Trust Company's total deposits?
$32.88M in total deposits.
Where is Peoples Bank and Trust Company located?
Ryan, OK.
What is the Net Interest Margin?
-4.75%.
How many domestic offices does it operate?
2.
When was it established?
03/05/1906.
What is the Return on Assets (ROA)?
0.04%.
How much are total loans and leases?
$31.34M (latest filing).
What is the total interest income (latest filing)?
$-766,000.