People's Bank and Trust Company of Pickett County

Headquarters: Byrdstown, Tennessee
Charter: Bank
Assets: $319.0M
Fed district: Atlanta
Regulator: FDIC
Holding company: Employee Stk Ownership Tr Peoples B&t Pickett Cnty

10 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for People's Bank and Trust Company of Pickett County at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	People's Bank and Trust Company of Pickett County's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: People's Bank and Trust Company of Pickett County (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $221K in Q2 2026, 13% above the same quarter a year earlier ($195K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4, the middle of its prices
People's Bank and Trust Company of Pickett County: $3 to $7.50
People's Bank and Trust Company of Pickett County: $3 to $7.50
U.S. median: no median
NSF / Returned Item
People's Bank and Trust Company of Pickett County: $26.90
People's Bank and Trust Company of Pickett County: $26.90
U.S. median: no median
Wire Transfer (Domestic Out)
People's Bank and Trust Company of Pickett County: $25
People's Bank and Trust Company of Pickett County: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 4.2% from Q3 2025 to Q2 2026, to $221K.

Service-charge income, Q2 2026

$221K

$212KQ3 2025

$206KQ4 2025

$208KQ1 2026

$221KQ2 2026

Against the median

People's Bank and Trust Company of Pickett CountyMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

People's Bank and Trust Company of Pickett County · $319M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$312M to $326M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
People's Bank and Trust Company of Pickett County(this institution)	Byrdstown, TN	$319M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
1NB Bank	Carlyle, IL	$319M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Abacus Federal Savings Bank	New York, NY	$321M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Coushatta	Coushatta, LA	$317M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bank of Yazoo City	Yazoo City, MS	$318M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Centera Bank	Sublette, KS	$318M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Independent Bank	Saint Louis Park, MN	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
City Bank & Trust Co.	Lincoln, NE	$323M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Longview, TX	$315M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Forest Park National Bank and Trust Company	Forest Park, IL	$322M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Gateway Bank	Mendota Heights, MN	$320M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Guaranty Bank and Trust Company	New Roads, LA	$319M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Bank	Topeka, KS	$325M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
KCB Bank	Lakin, KS	$322M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PCSB Bank	Clarinda, IA	$326M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PEOPLES BANK	Sheridan, AR	$314M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinnacle Bank	Marshalltown, IA	$324M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Profile Bank	Rochester, NH	$317M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Seneca Savings Bank, National Association	Baldwinsville, NY	$312M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sewickley Savings Bank	Sewickley, PA	$316M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
State Bank of Graymont	Graymont, IL	$313M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The National Iron Bank	Salisbury, CT	$318M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
The Payne County Bank	Perkins, OK	$313M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The Peoples Bank	Brownstown, IN	$324M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
TNBANK	Oak Ridge, TN	$318M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wray State Bank	Wray, CO	$312M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.50 (47%) below the median of similar-sized banks.

Compared at $4, the middle of its five prices, against a peer median of $7.50 among 17 publishing peers.

Its five checking prices are $3, $4, $4, $5 and $7.50.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

People's Bank and Trust C…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for People's Bank and Trust Company of Pickett County (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $221K
vs prior quarter: +$13K+6.3%; from Q1 2026
vs a year earlier: +$26K+13.3%; from Q2 2025
vs start of range: +$24K+12.2%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: People's Bank and Trust Company of Pickett County (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$221K	+$13K	+6.3%
Q1 2026	$208K	+$2K	+1.0%
Q4 2025	$206K	−$6K	−2.8%
Q3 2025	$212K	+$17K	+8.7%
Q2 2025	$195K	−$5K	−2.5%
Q1 2025	$200K	+$5K	+2.6%
Q4 2024	$195K	−$2K	−1.0%
Q3 2024	$197K	+$8K	+4.2%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from People's Bank and Trust Company of Pickett County’s own schedules, with a source for each figure.

Account Maintenance

NOW Account Maintenance fee$4
per month
Service charge$5
per month
Service charge$3
per month
Service charge$4
per month
Super NOW Account Maintenance fee$7.50
per month
Dormant accounts$2
per month
Account research$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Nonsufficient funds (NSF) item$26.90
per item

ATM & Card

Replacement debit cards$5
per item

Wire Transfers

Wire transfers: Outgoing$25
per item
Wire transfers: Incoming$25
per item

Check Services

Cashier's checks$3
per item
Money order$1
per item
Stop payments-ACH$25
per item
Stop payments-checks$15
per item

Other Fees

Photocopies$0.50
per item
Statement reprints$3
per item

Fee	Amount	Basis	Note
Account Maintenance
NOW Account Maintenance fee	$4	per month	None
Service charge	$5	per month	None
Service charge	$3	per month	None
Service charge	$4	per month	None
Super NOW Account Maintenance fee	$7.50	per month	None
Dormant accounts	$2	per month	None
Account research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Nonsufficient funds (NSF) item	$26.90	per item	None
ATM & Card
Replacement debit cards	$5	per item	None
Wire Transfers
Wire transfers: Outgoing	$25	per item	None
Wire transfers: Incoming	$25	per item	None
Check Services
Cashier's checks	$3	per item	None
Money order	$1	per item	None
Stop payments-ACH	$25	per item	None
Stop payments-checks	$15	per item	None
Other Fees
Photocopies	$0.50	per item	None
Statement reprints	$3	per item	None

Account Maintenance

HI-FI Account Maintenance fee$4
per month
Dormant accounts$2
per month
Account research$15
Not compared: Charged per hour; comparison unavailable
per hour · Account research | $15.00/hour
HI-FI excess debit fee$1
per item

Overdraft & NSF

Nonsufficient funds (NSF) item$26.90
per item

ATM & Card

Replacement debit cards$5
per item

Wire Transfers

Wire transfers: Outgoing$25
per item
Wire transfers: Incoming$25
per item

Check Services

Cashier's checks$3
per item
Money order$1
per item
Stop payments-ACH$25
per item
Stop payments-checks$15
per item

Other Fees

Photocopies$0.50
per item
Statement reprints$3
per item

Fee	Amount	Basis	Note
Account Maintenance
HI-FI Account Maintenance fee	$4	per month	None
Dormant accounts	$2	per month	None
Account research	$15Not compared: Charged per hour; comparison unavailable	per hour	Account research \| $15.00/hour
HI-FI excess debit fee	$1	per item	None
Overdraft & NSF
Nonsufficient funds (NSF) item	$26.90	per item	None
ATM & Card
Replacement debit cards	$5	per item	None
Wire Transfers
Wire transfers: Outgoing	$25	per item	None
Wire transfers: Incoming	$25	per item	None
Check Services
Cashier's checks	$3	per item	None
Money order	$1	per item	None
Stop payments-ACH	$25	per item	None
Stop payments-checks	$15	per item	None
Other Fees
Photocopies	$0.50	per item	None
Statement reprints	$3	per item	None

Correct a fee source

Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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