Peoples Bank and Trust Company
Mcpherson, Kansas, Mcpherson County
$1.6B in total assets, the 728th largest of 4,309 US banks and 10th of 185 headquartered in Kansas.
- FDIC certificate
- 1365
- Established
- 1898
- Owned by
- Pbt Bancshares Inc
- Primary regulator
- FDIC
- Website
- http://www.peoples.bank
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 53% | $1.4B | |
| Loans | $1.1B | 53% | $916M | |
| Deposits | $1.4B | 58% | $1.2B | |
| Return on assets | 1.09% | 16% | 1.43% | |
| Net interest margin | 3.94% | 58% | 3.83% | |
| Efficiency ratio | 52.2% | 26% | 60.4% | |
| Equity to assets | 9.39% | 32% | 10.63% | |
| Loans to deposits | 77% | 42% | 84% |
Growth
Total assets grew 10.2% a year over the last 5 years and 13.6% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2025 | Kanza Bank Kingman, KS | $259M |
| Feb 2021 | Community Bank of the Midwest Great Bend, KS, an affiliate under the same holding company | $208M |
| Aug 2019 | The Lyons State Bank Lyons, KS | $97M |
| Jun 1998 | Nickerson State Bank Nickerson, KS, an affiliate under the same holding company | $28M |
| Jun 1998 | The Farmers State Bank Yoder, KS, an affiliate under the same holding company | $15M |
Where they operate
21 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Mcpherson County, KS | $498M | 42.2% | 1 of 11 |
| Reno County, KS | $194M | 11.9% | 2 of 10 |
| Barton County, KS | $185M | 15.9% | 3 of 10 |
| Sedgwick County, KS | $152M | 0.8% | 18 of 38 |
| Kingman County, KS | $115M | 43.4% | 1 of 4 |
| Rice County, KS | $81M | 23.4% | 3 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 gain of 9 branches since 2016 (12 to 21, +75.0%). 2 opened, 10 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 12 | |||
| 2019 | Acquired The Lyons State BankClosed Mcpherson | 2 | 1 | +1 | 13 |
| 2020 | Closed Mc Pherson and South Hutchinson | 0 | 2 | −2 | 11 |
| 2021 | Acquired Community Bank of the Midwest | 4 | 0 | +4 | 15 |
| 2022 | Opened Newton and Wichita | 2 | 0 | +2 | 17 |
| 2025 | Acquired Kanza Bank | 4 | 0 | +4 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 26% | 24% | |
| Commercial real estate | 26% | 32% | |
| Farmland | 16% | 7% | |
| Construction and land | 10% | 7% | |
| Business (C&I) | 9% | 15% | |
| Agricultural | 7% | 5% | |
| Multifamily | 3% | 5% | |
| Consumer | 3% | 2% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 52% | |
| Time deposits | 26% | 26% | |
| Noninterest-bearing | 16% | 22% |
Brokered deposits are 1.6% of deposits (peers 5.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.92% | 0.60% |
| Net charge-offs, annualized | 0.61% | 0.05% |
| Reserves to loans | 1.74% | 1.25% |
| Leverage ratio | 9.27% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Mcpherson 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-trust-mcpherson-ks