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

Current rates for Peoples Bank and Trust Company (KS) include: Savings: 0.05%

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Peoples Bank and Trust Company (KS)

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Peoples Bank and Trust Company (KS) Rates & Review September 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: September 19, 2026

Peoples Bank and Trust Company (KS)'s savings rates are at 0.05%. 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 09/19/2026.

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 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

Worsening 12 quarters

Full history ›

Peoples Bank and Trust Company

101 S Main St
Mcpherson, KS 67460

https://www.peoples.bank

Peoples Bank and Trust Company (KS) Savings Rates

Product	Rate	APY
Super Saver Savings	-	1.00%
Min Deposit $50 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances up to $50,000 receive APY of 1.00% and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from 1.00% to 0.50% APY depending on the account's balance. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.49%
Super Saver Savings	-	0.05%
Min Deposit $50 Details When High Interest Checking qualifications are not met, ATM fees are not refunded, all balances in your High Interest Checking account earn a non-compounding APY* of 0.05% and all balances in your Super Saver Savings account earn 0.05% APY. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.49%

Peoples Bank and Trust Company (KS) Checking Rates

Product	Rate	APY
High Interest Checking	2.23%	2.25%
Min Deposit $50 Details Qualifications Required: 15 debit card purchases post and settle; enrolled and receive free monthly Web Statements; one direct deposit or automatic payment (ACH) post and settle; Interest paid monthly on collected daily balance. Nationwide ATM fee refunds up to $25. APYs accurate as 10/01/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Limit of one (1) account per Social Security Number (SSN). This account is not to be used for commercial purposes. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.49%
High Interest Checking	0.05%	0.05%
Min Deposit $50 Details When qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.050% resulting in a non-compounding annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your High Interest Checking account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APYs accurate as 10/01/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Limit of one (1) account per Social Security Number (SSN). This account is not to be used for commercial purposes. Last Updated 09/19/2026 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.
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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 weakened 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

Institution Name Peoples Bank and Trust Company (KS)

Bank Holding Company PBT BANCSHARES INC

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

Website https://www.peoples.bank

FDIC Certificate # 1365

Established 18981101

FDIC Insurance Date 19340101

Domestic Offices 21

Total Branches 21

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.49%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8369%

Return on Equity (ROE) 9.0100%

Non-Performing Loans (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 21

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

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

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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.