BlastPoint's Banking Scorecard

Peoples Bank

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

Lebanon, KY

4 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Peoples Bank has 3 strengths but faces 2 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 0.14% above tier average
+ Efficiency Ratio 0.81% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 31.5% in tier
- Margin Compression: Bottom 33.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$195.3M +5.0% YoY +5.0% QoQ	-$190.8M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$161.9M +9.0% YoY +3.2% QoQ	-$93.8M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$169.0M +2.8% YoY +3.7% QoQ	-$159.0M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	1.01% -10.8% YoY -12.1% QoQ	-0.26%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	4.07% +6.5% YoY +1.0% QoQ	+0.14%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	64.48% +4.6% YoY +6.6% QoQ	-0.81%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	46%
Delinquency Rate ?	0.69% -5.9% QoQ	-0.20%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	37%
Loan-to-Deposit Ratio ?	95.80% +6.1% YoY -0.5% QoQ	+19.16%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Bottom 14.4% in tier
Non-Interest-Bearing Deposit Share ?	24.17% -3.5% YoY -7.3% QoQ	+2.15%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.57% -7.5% QoQ	-0.07%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	9.38% -5.2% YoY +0.7% QoQ	-6.45%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Bottom 3.3% in tier
Non-Interest Income / Assets ?	0.04% +30.3% YoY -71.4% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Bottom 13.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#211 of 666 • Bottom 31.5% 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: 9.38%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Margin Compression

decline

#104 of 305 • Bottom 33.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.01%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2578

Tier 1 Capital Ratio

capital

Value: 9.38%

Peer Median: 15.83%

#2578 of 2664 Bottom 3.3% in $100M-$1B

2300

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2300 of 2664 Bottom 13.7% in $100M-$1B

2281

Loan-to-Deposit Ratio

liquidity

Value: 95.80%

Peer Median: 76.64%

#2281 of 2664 Bottom 14.4% in $100M-$1B