Peoples B&T Co Pickett Cnty (FDIC #22756): Bank Stress & Real-Estate Credit Exposure
Peoples B&T Co Pickett Cnty (FDIC Cert #22756): bank stress 65/100, elevated, STABLE over 7 days; parent EMPLOYEE STK OWNERSHIP TR PEOPLES B&T PICKETT CNTY.
Peoples B&T Co Pickett Cnty (#22756) lends in 3 counties across 2 states; Peoples B&T Co Pickett Cnty (#22756) reaches 18 ZIP codes: Tennessee 2 counties, 16 ZIPs; Kentucky 1 county, 4 ZIPs.
Peoples B&T Co Pickett Cnty (#22756) largest markets: Overton County, TN (12 branches, 12 ZIPs) (#22756), Pickett County, TN (6 branches, 6 ZIPs) (#22756), Clinton County, KY (4 branches, 4 ZIPs) (#22756).
Peoples B&T Co Pickett Cnty (#22756) reports $319.0 million in total assets; Peoples B&T Co Pickett Cnty (#22756) equity $33.0 million (10.3% of Peoples B&T Co Pickett Cnty (#22756) assets); Peoples B&T Co Pickett Cnty (#22756) domestic deposits $280.2 million; Peoples B&T Co Pickett Cnty (#22756) net income $2.0 million; Peoples B&T Co Pickett Cnty (#22756) return on assets 1.24%; Peoples B&T Co Pickett Cnty (#22756) return on equity 12.20%; Peoples B&T Co Pickett Cnty (#22756) net interest income $7.5 million; Peoples B&T Co Pickett Cnty (#22756) call report June 30, 2026.
Peoples B&T Co Pickett Cnty (#22756) noncurrent real-estate loans 0.16% of its book; Peoples B&T Co Pickett Cnty (#22756) net charge-offs on real estate 0.73%; Peoples B&T Co Pickett Cnty (#22756) residential charge-offs 0.15%.
Peoples B&T Co Pickett Cnty (#22756) net interest margin 4.96% against an eight-quarter Peoples B&T Co Pickett Cnty (#22756) average of 4.90% (Peoples B&T Co Pickett Cnty (#22756) compression -0.06 points); Peoples B&T Co Pickett Cnty (#22756) real-estate loans 15.7% of equity; Peoples B&T Co Pickett Cnty (#22756) non-residential real estate 15.3% of equity; Peoples B&T Co Pickett Cnty (#22756) rate-exposure score 40/100, Peoples B&T Co Pickett Cnty (#22756) fixed-rate trap 40/100; Peoples B&T Co Pickett Cnty (#22756) risk type credit driven; Peoples B&T Co Pickett Cnty (#22756) rate regime rates elevated, Peoples B&T Co Pickett Cnty (#22756) snapshot October 20, 2026.
Peoples B&T Co Pickett Cnty (#22756) stress score moved from 66 on June 22, 2026 to 64.5 on October 20, 2026; Peoples B&T Co Pickett Cnty (#22756) ranged 64.5 to 66 over 117 snapshots.
Peoples B&T Co Pickett Cnty (#22756) alerts: 3 counties; top Peoples B&T Co Pickett Cnty (#22756) alert scores: Albany County, TN 22 (low); Byrdstown County, TN 22 (low); Livingston County, TN 22 (low).