BlastPoint's Banking Scorecard

The Peoples Bank

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

Taylorsville, KY

2 branches across KY

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

The Peoples Bank shows strong momentum with 4 strengths and 6.9% YoY asset growth

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 26.5% in tier
+ ROA 0.64% above tier average
+ Efficiency Ratio 3.86% below tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$142.9M +6.9% YoY +4.0% QoQ	-$243.1M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Bottom 12.2% in tier
Total Loans ?	$100.0M +21.5% YoY +5.0% QoQ	-$155.7M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$130.8M +6.4% YoY +6.1% QoQ	-$197.2M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	1.91% +8.8% YoY -4.9% QoQ	+0.64%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 14.8% in tier
Net Interest Margin ?	4.81% +7.3% YoY -2.3% QoQ	+0.88%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Top 10.8% in tier
Efficiency Ratio ?	61.43% -1.6% YoY +1.3% QoQ	-3.86%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.60% -29.6% YoY +4.3% QoQ	-0.29%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	76.47% +14.2% YoY -1.0% QoQ	-0.17%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	38.87% +2.1% YoY +4.1% QoQ	+16.85%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 5.9% in tier
Nonperforming Asset Ratio ?	0.42% -19.9% YoY +5.3% QoQ	-0.22%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	17.82% -8.5% YoY -2.3% QoQ	+1.99%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.10% -11.0% YoY -77.3% QoQ	-0.18%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	49%

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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 (1)

Deposit Franchise

growth

#73 of 272 • Top 26.5% 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: 38.87%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.81%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

157

Non-Interest-Bearing Deposit Share

funding

Value: 38.87%

Peer Median: 22.02%

#157 of 2664 Top 5.9% in $100M-$1B

289

Net Interest Margin

profitability

Value: 4.81%

Peer Median: 3.93%

#289 of 2664 Top 10.8% in $100M-$1B

394

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.27%

#394 of 2664 Top 14.8% in $100M-$1B

519

Tier 1 Capital Ratio

capital

Value: 17.82%

Peer Median: 15.83%

#519 of 2664 Top 19.4% in $100M-$1B

Top Weaknesses (3 metrics)

2341

Total Assets

size

Value: $142.94M

Peer Median: $386.08M

#2341 of 2664 Bottom 12.2% in $100M-$1B

2251

Total Deposits

size

Value: $130.80M

Peer Median: $327.97M

#2251 of 2664 Bottom 15.5% in $100M-$1B

2139

Total Loans

size

Value: $100.02M

Peer Median: $255.72M

#2139 of 2664 Bottom 19.7% in $100M-$1B