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Peoples B&T Co. Ryan, OK

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Peoples B&T Co. Ryan, OK Rates & Review September 2026

Q: How many branches does Peoples B&T Co. Ryan, OK operate?

Peoples B&T Co. Ryan, OK currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Peoples B&T Co. Ryan, OK 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 B&T Co. Ryan, OK rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Peoples B&T Co. Ryan, OK, and you can see how they compare in the Peoples B&T Co. Ryan, OK rate tables below. MonitorBankRates evaluates the financial stability of Peoples B&T Co. Ryan, OK with a 2.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 50.47%. Database rates last updated and verified on 09/19/2026.

Peoples B&T Co. Ryan, OK 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 B&T Co. Ryan, OK? Share your experience about Peoples B&T Co. Ryan, OK by leaving a review below, or read customer reviews before you decide to use Peoples B&T Co. Ryan, OK.

Overall Health & Safety Grade

High Risk Health Score: 45/100

MonitorBankRates Rating

2.0

Average Out of 5.0 Stars

Texas Ratio

50.47%

Weak Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Peoples B&T Co. Ryan, OK

517 Washington Street
Ryan, OK 73565

https://www.peoplesbankusa.com

Peoples B&T Co. Ryan, OK Checking Rates

Product	Rate	APY
Elite Business Checking	-	0.35%
Min Balance $25,000 Details New Money is money not already deposited in Peoples Bank and Trust Co.; Accounts with over $25,000 are not required to have an ACH, but must maintain an average statement balance of $25,000 and will earn .35% APY. Last Updated 09/19/2026 Institution Ratings 2.0 Star Rating F Health Grade ◈ Texas Ratio: 50.47%
Elite Checking	0.35%	0.35%
Min Deposit $500 Details Qualifications Required: 1 ACH Debit or Credit per statement cycle; To open Elite Checking, you must open with $500. One ACH Debit or Credit is required per statement cycle to earn 0.35% APY. If no ACH is conducted, interest rate will be .35% APY. All checking products come with Online Banking, Mobile Banking, Text Message Alerts, ATM/Debit Cards, Bill Pay and much more! Traditional style single checks only. Last Updated 09/19/2026 Institution Ratings 2.0 Star Rating F Health Grade ◈ Texas Ratio: 50.47%

Peoples B&T Co. Ryan, OK Other Rates

Product	Rate	Points	APY/APR	Term	View More
High Yield Interest Account	-	-	3.00%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2500 avg. balance per statement cycle; Service Charge: $10 Last Updated 09/19/2026 Institution Ratings 2.0 Star Rating F Health Grade ◈ Texas Ratio: 50.47%

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 B&T Co. Ryan, OK’s Texas Ratio rose from 40.20% in Q3 2023 to 50.47% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 2.9 to 2.0. 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	$62M	50.47%	2.0	F
March 31, 2026	$50M	41.13%	2.8	F
December 31, 2025	$47M	33.87%	3.4	D
September 30, 2025	$45M	15.15%	5.0	A-
June 30, 2025	$44M	20.91%	4.5	B
March 31, 2025	$45M	19.36%	4.6	B
December 31, 2024	$42M	17.80%	4.8	B+
September 30, 2024	$42M	19.91%	4.6	B
June 30, 2024	$44M	16.79%	4.9	A-
March 31, 2024	$45M	20.97%	4.5	B
December 31, 2023	$44M	26.14%	4.1	C+
September 30, 2023	$44M	40.20%	2.9	F

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 B&T Co. Ryan, OK 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 B&T Co. Ryan, OK 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 B&T Co. Ryan, OK's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Peoples B&T Co. Ryan, OK

FDIC Certificate # 2331

Address 517 Washington Street, Ryan, OK 73565 · Jefferson

Website https://www.peoplesbankusa.com

Established 19060305

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 45/100

2.0

Average Out of 5.0 Stars

50.47%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -1.3205%

Return on Equity (ROE) -7.4800%

Non-Performing Loans (NPL) 7.73%

Total Assets $61,880,000

Total Deposits $49,188,000

Equity Capital $9,580,000

Net Income $-350,000

Headquarters Ryan

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Peoples B&T Co. Ryan, OK

How many branches does Peoples B&T Co. Ryan, OK operate?

Peoples B&T Co. Ryan, OK currently maintains approximately 3 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 B&T Co. Ryan, OK 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 B&T Co. Ryan, OK provides members with tools to manage their accounts and build a solid financial history.

Does Peoples B&T Co. Ryan, OK offer online and mobile banking?

Most modern institutions like Peoples B&T Co. Ryan, OK 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.peoplesbankusa.com.