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Peoples Bank

$100M-$1B Specialty: Commercial KY FDIC cert 1562

Lebanon, KY

4 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +4.5% year over year ($173.3M on the books).
  • Delinquency rate 2.57%.
  • Return on assets 1.06%.
  • Efficiency ratio 63.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.31% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Peoples Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.15% above tier average
  • + Efficiency Ratio 1.12% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 25.9% in tier
  • - Liquidity Strain: Bottom 27.3% in tier
  • - Delinquency Rate 1.65% above tier average
  • - Nonperforming Asset Ratio 1.48% above tier average
  • - Non-Interest Income / Assets 0.50% below tier average
  • - ROA 0.26% below tier average
Get updates when Peoples Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $193.7M
+4.2% YoY -0.8% QoQ
-$192.8M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $161.7M
+4.9% YoY -0.1% QoQ
-$96.6M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $173.3M
+4.5% YoY +2.5% QoQ
-$153.4M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 1.06%
+3.3% YoY +5.3% QoQ
-0.26% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 4.13%
+7.7% YoY +1.5% QoQ
+0.15% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 63.36%
+3.0% YoY -1.7% QoQ
-1.12% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 2.57%
+274.3% QoQ
+1.65% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 8.3% in tier
Loan-to-Deposit Ratio ? 93.31%
+0.3% YoY -2.6% QoQ
+15.36% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 25.48%
+7.5% YoY +5.4% QoQ
+3.45% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 2.15%
+276.8% QoQ
+1.48% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 6.3% in tier
Tier 1 Capital Ratio ? 9.24%
-0.1% YoY -1.5% QoQ
-6.67% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 2.7% in tier
Non-Interest Income / Assets ? 0.07%
+7.7% YoY +66.7% QoQ
-0.50% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Bottom 8.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 25.5%
+1.8pp YoY
+1.3pp QoQ
 +3.3pp 22.1% 23.5% 22.2% 67%
Brokered Deposits 10.4%
+0.5pp YoY
-0.3pp QoQ
 +2.5pp 7.9% 5.4% 8.5% 76%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 23.4%
-1.1pp YoY
-3.0pp QoQ
 +11.8pp 11.6% 8.6% 12.5% 92%
CRE 39.4%
+3.7pp YoY
+2.1pp QoQ
 -0.2pp 39.5% 37.1% 41.4% 52%
1-4 Family 32.6%
-1.1pp YoY
+0.7pp QoQ
 0.0pp 32.6% 41.6% 31.3% 57%
Consumer 1.5%
-0.3pp YoY
+0.2pp QoQ
 -2.6pp 4.1% 4.8% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 9.2%
0.0pp YoY
-0.1pp QoQ
 -2.9pp 12.2% 14.0% 12.6% 16%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 29
+5 (+20.8%) YoY
0 QoQ
 -30 58 105 482 25%
Assets per Employee ($) $6.7M
-13.8% YoY
-0.8% QoQ
 -$838K $7.5M $6.3M $8.8M 46%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 2.6%
+2.5pp YoY
+1.9pp QoQ
 +2.3pp 0.3% 0.3% 0.4% 98%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 0.34x
-95.1% YoY
-71.8% QoQ
 -23.81x 24.15x 7.45x 20.23x 4%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 13.7%
-0.6pp YoY
+0.6pp QoQ
 +1.5pp 12.2% 13.3% 11.6% 60%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 78%
Net Income ($, YTD) $1.0M
+10.0% YoY
— QoQ
 -$1.5M $2.6M $5.1M $40.4M 27%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#172 of 661 • Bottom 25.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.24%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#190 of 691 • Bottom 27.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.31%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2572
Tier 1 Capital Ratio
capital
Value: 9.24%
Peer Median: 15.91%
#2572 of 2643 Bottom 2.7% in $100M-$1B
2477
Nonperforming Asset Ratio
credit_quality
Value: 2.15%
Peer Median: 0.67%
#2477 of 2643 Bottom 6.3% in $100M-$1B
2416
Delinquency Rate
credit_quality
Value: 2.57%
Peer Median: 0.92%
#2416 of 2633 Bottom 8.3% in $100M-$1B
2408
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2408 of 2643 Bottom 8.9% in $100M-$1B
2128
Loan-to-Deposit Ratio
liquidity
Value: 93.31%
Peer Median: 77.95%
#2128 of 2643 Bottom 19.5% in $100M-$1B
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