The Peoples Bank
Pratt, Kansas, Pratt County
$531M in total assets, the 1,746th largest of 4,309 US banks and 39th of 185 headquartered in Kansas.
- FDIC certificate
- 1147
- Established
- 1887
- Owned by
- Peoples Bankshares Ltd The
- Primary regulator
- FED
- Website
- www.tpb.bank
At a glance
Compared with 116 banks headquartered in Kansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $531M | 84% | $257M | |
| Loans | $267M | 71% | $172M | |
| Deposits | $487M | 88% | $214M | |
| Return on assets | 2.40% | 97% | 1.39% | |
| Net interest margin | 3.83% | 40% | 3.98% | |
| Efficiency ratio | 43.5% | 9% | 58.7% | |
| Equity to assets | 7.70% | 14% | 10.25% | |
| Loans to deposits | 55% | 13% | 78% |
Growth
Total assets grew 0.7% a year over the last 5 years and 4.0% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2020 | The Farmers Bank of Osborne Osborne, KS | $67M |
| Jun 2008 | The Smith County State Bank and Trust Company Smith Center, KS | $63M |
| Mar 2002 | The Farmers State Bank Hardtner, KS | $21M |
| May 1991 | The Sharon Valley State Bank Medicine Lodge, KS | $6M |
| Nov 1990 | Valley Savings, A Federal Savings and Loan Association Hutchinson, KS | $116M |
Where they operate
5 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Pratt County, KS | $293M | 65.7% | 1 of 3 |
| Smith County, KS | $64M | 34.7% | 1 of 4 |
| Barber County, KS | $58M | 30.7% | 3 of 3 |
| Osborne County, KS | $52M | 23.3% | 3 of 4 |
| Kiowa County, KS | $19M | 15.5% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 4 branches since 2016 (9 to 5, −44.4%). 0 opened, 2 acquired, 6 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2019 | Closed 4 in Kansas | 0 | 4 | −4 | 5 |
| 2020 | Acquired The Farmers Bank of Osborne | 2 | 0 | +2 | 7 |
| 2023 | Closed Kiowa and Luray | 0 | 2 | −2 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 35% | 14% | |
| Farmland | 32% | 17% | |
| 1-4 family residential | 13% | 27% | |
| Business (C&I) | 7% | 11% | |
| Commercial real estate | 5% | 17% | |
| Consumer | 2% | 4% | |
| Construction and land | 1% | 5% | |
| Multifamily | 0% | 2% | |
| Other | 4% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 40% | 34% | |
| Noninterest-bearing | 32% | 20% | |
| Other interest-bearing | 28% | 46% |
Brokered deposits are 5.9% of deposits (peers 3.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.37% | 0.23% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.64% | 1.27% |
| Leverage ratio | 9.29% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Pratt County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/peoples-bank-pratt-ks