People's Bank and Trust Company of Pickett County
Byrdstown, TN
IDRSSD: 942539
Total Assets
$312.03M
Latest filing
Total Deposits
$274.94M
Latest filing
Net Interest Margin
4.89%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
People's Bank and Trust Company of Pickett County
19 Courthouse Sq
Byrdstown, TN 38549
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/27/1978FDIC Certificate 15890
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| People's Bank and Trust Company of Pickett County (Main) | 19 Courthouse Sq | Byrdstown, TN |
| PEOPLE'S BANK AND TRUST CO OF CLINTON CO BRANCH | 403 N Cross St | Albany, KY |
| OVERTON BRANCH | 5476 Bradford Hicks Drive | Livingston, TN |
Showing 2 of 2
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 | 11/27/1978 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38549 |
| State and County Number | 47137 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| 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 | 55 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 11/27/1978 |
| Primary Insurance Agency | DIF |
| Website | https://pbt.bank |
| Data Updated | 01/30/2026 |
| CERT | 22756 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $312.03M |
| Total Deposits | $274.94M |
| Total Liabilities | $280.50M |
| Total Equity Capital | $31.53M |
| Net Income | $754.00k |
| Net Loans and Leases | $221.58M |
| Assets Per Employee ($Millions) | $5.78M |
| Bank Premises and Fixed Assets | $2.71M |
| Cash and Balances due from Depository Institutions | $5.58M |
| Deposits Held in Domestic Offices | $274.94M |
Key Performance Ratios
| Return on Assets (ROA) | 0.97% |
| Return on Equity (ROE) | 9.68% |
| Net Interest Margin | 4.89% |
| Efficiency Ratio | 64.2% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.55% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.105% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $5.71M |
| Total Noninterest Income | $263.00k |
| Total Interest Expense | $2.11M |
| Total Noninterest Expense | $2.48M |
| Net Interest Income | $3.60M |
| Pre-tax Net Operating Income | $957.00k |
| Provision for Credit Losses | $425.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $250.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $45.12M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.56M |
| Total Liabilities and Capital | $312.03M |
Securities
| Securities | $26.54M |
| Available-for-sale debt securities | $26.54M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of People's Bank and Trust Company of Pickett County?
$312.03M as of the latest filing.
How much are People's Bank and Trust Company of Pickett County's total deposits?
$274.94M in total deposits.
Where is People's Bank and Trust Company of Pickett County located?
Byrdstown, TN.
What is the Net Interest Margin?
4.89%.
How many domestic offices does it operate?
3.
When was it established?
11/27/1978.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$221.58M (latest filing).
What is the total interest income (latest filing)?
$5.71M.