What are the current interest rates at Peoples Bank and Trust Company (KS)?

Current rates for Peoples Bank and Trust Company (KS) include: Savings: 1.00%

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Peoples Bank and Trust Company (KS) Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples Bank and Trust Company (KS) provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Peoples Bank and Trust Company (KS)'s top rates as of October 14, 2026 are 1.00% APY on savings, and 2.25% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Peoples Bank and Trust Company (KS) with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.49%. Rates last updated and verified on 10/14/2026.

Peoples Bank and Trust Company (KS) money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Peoples Bank and Trust Company (KS)? Share your experience about Peoples Bank and Trust Company (KS) by leaving a review below, or read customer reviews before you decide to use Peoples Bank and Trust Company (KS).

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.49%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Peoples Bank and Trust Company

101 S Main St
Mcpherson, KS 67460

https://www.peoples.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Peoples Bank and Trust Company (KS) Savings Rates

Product	Rate	APY
Super Saver Savings	-	1.00%
Min Deposit $50 Min Balance $50,000 Details Published APY range: 1.00% to 0.50%. Balance: $50,000.01 and over; APY on amount of balance over $50,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.49%
Super Saver Savings - Qualifications Not Met	-	0.05%
Min Deposit $50 Min Balance $0 Details 0.05% APY if qualifications are not met; Balance: all balances Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.49%

Peoples Bank and Trust Company (KS) Checking Rates

Product	Rate	APY	View More
High Interest Checking	2.227%	2.25%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $20,000.00; Qualifying balance up to $20,000.00; Nationwide ATM fee refunds up to $25; No monthly service fee; No minimum balance to earn rewards Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.49%

Peoples Bank and Trust Company (KS) Other Rates

Product	Rate	Points	APY/APR	Term	View More
High Interest Checking	-	-	2.25%
Min Deposit $50 Min Balance $0 Details Qualifications Required: Monthly Qualification Cycle requirements; Balance: $0.00 - $20,000.00; non-compounding APY; balances over $20,000 earn 0.25% on the portion over $20,000 (2.25% to 0.58% APY depending on balance); ATM fee reimbursements up to $25 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.49%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Peoples Bank and Trust Company (KS)’s Texas Ratio rose from 3.40% in Q3 2023 to 7.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.6 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.6B	7.49%	5.0	A
March 31, 2026	$1.6B	7.46%	5.0	A
December 31, 2025	$1.6B	6.80%	5.0	A
September 30, 2025	$1.6B	3.47%	5.0	A+
June 30, 2025	$1.5B	3.70%	5.0	A+
March 31, 2025	$1.3B	4.20%	5.0	A+
December 31, 2024	$1.2B	3.18%	5.0	A+
September 30, 2024	$1.2B	3.07%	5.0	A+
June 30, 2024	$1.2B	4.26%	5.0	A+
March 31, 2024	$1.1B	4.96%	5.0	A+
December 31, 2023	$1.1B	4.03%	5.0	A+
September 30, 2023	$1.1B	3.40%	4.6	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Peoples Bank and Trust Company (KS) is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Peoples Bank and Trust Company (KS) rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Peoples Bank and Trust Company (KS)'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Peoples Bank and Trust Company (KS)

Website https://www.peoples.bank

Address 101 S Main St, Mcpherson, KS 67460 · Mcpherson

Bank Holding Company PBT BANCSHARES INC

FDIC Certificate # 1365

Regulator FDIC

Established November 1, 1898

FDIC Insurance Date January 1, 1934

Domestic Offices 21

Total Branches 21

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.49%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8369%

Return on Equity (ROE)

9.0100%

Non-Performing Loans Ratio (NPL)

0.62%

Total Assets

$1,591,618,000

Total Deposits

$1,395,748,000

Equity Capital

$149,394,000

Net Income

$6,655,000

Headquarters

Mcpherson

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Peoples Bank and Trust Company (KS) earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/peoples-bank-and-trust-company-rates-review-1365">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Peoples Bank and Trust Company (KS)

How many branches does Peoples Bank and Trust Company (KS) operate?

Peoples Bank and Trust Company (KS) currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Peoples Bank and Trust Company (KS) does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples Bank and Trust Company (KS) provides members with tools to manage their accounts and build a solid financial history.

Does Peoples Bank and Trust Company (KS) offer online and mobile banking?

Most modern institutions like Peoples Bank and Trust Company (KS) provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.peoples.bank.