Applications / Mortgage Analytics / Lenders / Kansas / Peoples Bank and Trust Company
McPherson, KS · State non-member bank · FDIC · $1.6 billion assets · 1,159 loans in 2025
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1,159
loans originated, 2025
1,315
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank and Trust Company, a Kansas bank first reported in 2023, grew its lending 23% in 2025 and ranked 1 of 367 lenders in Wichita, where its share rose to 5.2% from 2.6%.
Originations rose 23% to 1,159, against 10% at similar lenders (state non-member banks making between half and twice as many loans) and the whole market, higher than about eight in ten of them. It first reported in 2023 with 757 loans and has grown each year since; it filed no report for 2018 to 2022, a gap in the record, not a time without lending.
Its Wichita share rose 2.6 points to 5.2%, ahead of Rocket Mortgage and Capitol Federal Savings Bank, and it ranked 3 of 398 in non-metro Kansas. Its 2025 merger with Kanza Bank counts in these market figures, so part of the rise may come from that rather than from its own lending.
Conventional loans were 99.6% of its lending, with no FHA loans (insured by the Federal Housing Administration) or VA loans (guaranteed by the Department of Veterans Affairs). Its typical loan, $135,000, was smaller than at about eight in ten similar lenders, where it was $195,000. LMI (low- and moderate-income) borrowers took 30.2% of its loans, against 26.5% at peers.
It turned down 1.8% of first-lien home-purchase applications, against 5.9% at similar lenders, lower than more than nine in ten of them. Purchases were 59.3% of its loans.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Peoples Bank and Trust Company took 1,315 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.3% · Refinance 26.7% · Home improvement 10.3% · Other 3.8%
Conventional 99.6% · USDA (RHS or FSA) 0.4% · of 1,159 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 1,134 | 97.8% |
| Missouri | 9 | 0.8% |
| Florida | 5 | 0.4% |
| Oklahoma | 3 | 0.3% |
| Colorado | 2 | 0.2% |
| Arkansas | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Nebraska | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 535 |
| Kansas City | 5 |
| Tampa | 4 |
| Tulsa | 2 |
| Brownsville-Harlingen | 1 |
| Cape Coral-Fort Myers | 1 |
| Chattanooga | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Columbia | 1 |
| Fayetteville-Springdale-Rogers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930091IM32ECQG7562 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 153353 | 2023–2023 |
Established 1 November 1898. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Peoples Bank and Trust Company's data.
Peoples Bank and Trust Company's data
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