Peoples Bank and Trust Company

Edmond, OK7(a) lenderTop sector: Hotels (except Casino Hotels) and Motels

Is this my lender?

Loans approved

FY1996–FY2026

Dollars approved

$108.4M

$27.9M since FY2021

Average loan

$1.2M

$1.4M recently

Charge-off rate

1.6%

by dollars · 6.8% by count

Approvals over time

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What they lend against

Hotels (except Casino Hotels) and Motels11 Full-Service Restaurants10 Gasoline Stations with Convenience Stores5 Car Washes5 Limited-Service Restaurants5 Farm Supplies Merchant Wholesalers3

Loan count by NAICS industry, whole record. Each row opens that industry’s profile, where this lender is ranked against everyone else writing it.

Where they lend

Oklahoma55 · 63%Texas13 · 15%Arkansas8 · 9%California4 · 5%Kansas2 · 2%Missouri2 · 2%Florida2 · 2%New Mexico1 · 1%

Share is of this lender’s entire book, so the 8 states shown need not sum to 100%. Together they account for 99% of its lending.

At a glance

Rank by recent volume#578 of 2321

First approvalFY1996

Latest approvalFY2026

States lent into8+

What they charge

Too few recent 7(a) loans to quote a rate, 8 since FY2024. Rates cluster on round numbers, so a median off a handful of loans reads as precise and is not.

Program mix

7(a) · 100% (88)504 · 0% (0)

Split by loan count.

7(a) $108.4M504 $0

Loss rate in context

This lender1.6%

Both programs, all lenders4.6%

Charged-off dollars over dollars approved. By loan count this lender is at 6.8%; the two measures diverge when a book is weighted toward small loans.

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