BlastPoint's Banking Scorecard

The Peoples Bank

$100M-$1B Specialty: Mortgage KY FDIC cert 1566

Taylorsville, KY

2 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 +12.3% year over year ($132.6M on the books).
Delinquency rate 0.99%.
Return on assets 2.14%.
Efficiency ratio 58.62% vs a 64.48% peer average.
Loan-to-deposit ratio 77.44% 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) →

The Peoples Bank has 3 strengths but faces 1 concern

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

+ Deposit Franchise: Top 16.9% in tier
+ Profitability Leader: Top 43.3% in tier
+ Efficiency Ratio 5.86% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.07% above tier average

Get updates when The 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 ?	$145.0M +12.1% YoY +1.4% QoQ	-$241.6M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	Bottom 12.6% in tier
Total Loans ?	$102.7M +19.6% YoY +2.7% QoQ	-$155.6M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$132.6M +12.3% YoY +1.4% QoQ	-$194.1M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	16%
Return on Assets ?	2.14% +9.4% YoY +11.7% QoQ	+0.81%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	Top 10.3% in tier
Net Interest Margin ?	5.00% +5.9% YoY +4.0% QoQ	+1.01%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	Top 8.1% in tier
Efficiency Ratio ?	58.62% -2.7% YoY -4.6% QoQ	-5.86%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.99% +39.9% YoY +64.8% QoQ	+0.07%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	77.44% +6.5% YoY +1.3% QoQ	-0.51%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	39.25% +6.6% YoY +1.0% QoQ	+17.22%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	Top 5.5% in tier
Nonperforming Asset Ratio ?	0.70% +49.3% YoY +66.9% QoQ	+0.03%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	17.46% -7.3% YoY -2.0% QoQ	+1.55%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.20% -9.8% YoY +105.8% QoQ	-0.37%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	49%

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	39.2% +2.4pp YoY +0.4pp QoQ	+17.1pp	22.1%	23.5%	22.2%	94%
Brokered Deposits	n/a	n/a	7.9%	5.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	3.2% -0.6pp YoY 0.0pp QoQ	-8.4pp	11.6%	8.6%	12.5%	10%
CRE	31.7% -3.5pp YoY -2.4pp QoQ	-7.9pp	39.5%	37.1%	41.4%	38%
1-4 Family	57.1% +9.2pp YoY +2.7pp QoQ	+24.4pp	32.6%	41.6%	31.3%	88%
Consumer	2.3% -1.3pp YoY -0.2pp QoQ	-1.8pp	4.1%	4.8%	5.0%	52%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	17.5% -1.4pp YoY -0.4pp QoQ	-1.4pp	18.8%	20.2%	19.7%	66%
Leverage Ratio	10.8% -0.8pp YoY -0.2pp QoQ	-1.3pp	12.2%	14.0%	12.6%	47%
Total Capital Ratio	18.7% -1.4pp YoY -0.4pp QoQ	-1.2pp	19.9%	21.3%	20.8%	67%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	31 +1 (+3.3%) YoY 0 QoQ	-28	58	105	482	28%
Assets per Employee ($)	$4.7M +8.5% YoY +1.4% QoQ	-$2.8M	$7.5M	$6.3M	$8.8M	10%
Branch Count	2 0 YoY 0 QoQ	-3	4	8	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	1.0% +0.3pp YoY +0.4pp QoQ	0.0pp	0.9%	0.8%	1.0%	71%
Allowance Coverage	1.41x -36.7% YoY -38.7% QoQ	-22.74x	24.15x	7.45x	20.23x	37%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	26.0% +0.6pp YoY +3.0pp QoQ	+13.8pp	12.2%	13.3%	11.6%	97%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.7%	1.7%	17%
Net Income ($, YTD)	$1.5M +18.1% YoY — QoQ	-$1.0M	$2.6M	$5.1M	$40.4M	42%

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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 (2)

Deposit Franchise

growth

#48 of 278 • Top 16.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.25%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.00%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Profitability Leader

growth

#287 of 661 • Top 43.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.14%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

146

Non-Interest-Bearing Deposit Share

funding

Value: 39.25%

Peer Median: 22.03%

#146 of 2643 Top 5.5% in $100M-$1B

214

Net Interest Margin

profitability

Value: 5.00%

Peer Median: 3.99%

#214 of 2643 Top 8.1% in $100M-$1B

274

Return on Assets

profitability

Value: 2.14%

Peer Median: 1.32%

#274 of 2643 Top 10.3% in $100M-$1B

562

Tier 1 Capital Ratio

capital

Value: 17.46%

Peer Median: 15.91%

#562 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (3 metrics)

2311

Total Assets

size

Value: $144.97M

Peer Median: $386.57M

#2311 of 2643 Bottom 12.6% in $100M-$1B

2216

Total Deposits

size

Value: $132.64M

Peer Median: $326.73M

#2216 of 2643 Bottom 16.2% in $100M-$1B

2119

Total Loans

size

Value: $102.72M

Peer Median: $258.35M

#2119 of 2643 Bottom 19.9% in $100M-$1B