Peoples Bank&Trust Co: Bank Stress & Real-Estate Credit Exposure

Bank stress at Peoples Bank&Trust Co (FDIC Cert #1365) registers 76/100 on DLRadar's scale — a severe reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

DLRadar maps Peoples Bank&Trust Co into 10 counties (132 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Kansas (10 counties). Peoples Bank&Trust Co's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. DLRadar does not model Peoples Bank&Trust Co in isolation: the 132-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 10 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. The combination of a severe reading and a compact footprint is what makes Peoples Bank&Trust Co worth watching as a supply signal. The Peoples Bank&Trust Co score updates as fresh FDIC call reports post each quarter, so its 76/100 reading and 10-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Peoples Bank&Trust Co is directly comparable to any lender in the country. Peoples Bank&Trust Co is held under Pbt Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, Peoples Bank&Trust Co finances markets like Sedgwick County, KS, Reno County, KS, Harvey County, KS, Rice County, KS — the specific places where its credit posture translates into local lending capacity.

For buyers, lender stress is an early map of supply: when Peoples Bank&Trust Co pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.