BlastPoint

BlastPoint's Banking Scorecard

The Peoples Bank

$100M-$1B Specialty: Agricultural KY FDIC cert 16603

Marion, 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 -3.4% year over year ($119.4M on the books).
  • Delinquency rate 0.24%.
  • Return on assets 0.87%.
  • Efficiency ratio 73.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.49% 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 2 strengths but faces 5 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
  • + Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 31.8% in tier
  • - Liquidity Strain: Bottom 33.6% in tier
  • - Deposit Outflow: Bottom 35.1% in tier
  • - ROA 0.45% below tier average
  • - Efficiency Ratio 8.70% 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 ? $135.3M
-2.3% YoY +0.1% QoQ
-$251.3M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 9.6% in tier
Total Loans ? $109.2M
+7.6% YoY +4.8% QoQ
-$149.1M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $119.4M
-3.4% YoY -0.2% QoQ
-$207.3M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 11.6% in tier
Return on Assets ? 0.87%
+27.5% YoY +47.4% QoQ
-0.45% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
27%
Net Interest Margin ? 4.14%
+2.1% YoY +2.1% QoQ
+0.15% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 73.18%
-0.1% YoY -5.8% QoQ
+8.70% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.24%
-29.8% YoY +8.3% QoQ
-0.68% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 91.49%
+11.5% YoY +5.1% QoQ
+13.54% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 11.88%
-0.8% YoY -7.3% QoQ
-10.15% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Bottom 14.2% in tier
Nonperforming Asset Ratio ? 0.46%
-26.0% YoY +5.2% QoQ
-0.21% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 11.55%
+9.5% YoY +2.5% QoQ
-4.35% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.24%
+27.3% YoY +112.9% QoQ
-0.33% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
61%

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 11.9%
-0.1pp YoY
-0.9pp QoQ
 -10.3pp 22.1% 23.5% 22.2% 14%
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 13.5%
-0.5pp YoY
-1.1pp QoQ
 +2.0pp 11.6% 8.6% 12.5% 70%
CRE 45.4%
+2.2pp QoQ
 +5.9pp 39.5% 37.1% 41.4% 63%
1-4 Family 12.9%
-4.6pp YoY
-0.5pp QoQ
 -19.8pp 32.6% 41.6% 31.3% 16%
Consumer 2.0%
-0.5pp YoY
0.0pp QoQ
 -2.2pp 4.1% 4.8% 5.0% 47%

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 11.6%
+1.0pp YoY
+0.3pp QoQ
 -0.6pp 12.2% 14.0% 12.6% 58%
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 28
+1 (+3.7%) YoY
0 QoQ
 -31 58 105 482 24%
Assets per Employee ($) $4.8M
-5.8% YoY
+0.1% QoQ
 -$2.7M $7.5M $6.3M $8.8M 12%
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 n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 33%
Allowance Coverage 6.39x
+28.4% YoY
-9.6% QoQ
 -17.76x 24.15x 7.45x 20.23x 75%
Net Charge-off Rate (YTD) 0.1%
+0.2pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 7.8%
+1.2pp YoY
+2.5pp QoQ
 -4.4pp 12.2% 13.3% 11.6% 24%
Cost of Funds (YTD) 2.4%
-0.3pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.7% 1.7% 88%
Net Income ($, YTD) $585,000
+27.5% YoY
— QoQ
 -$2.0M $2.6M $5.1M $40.4M 13%

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 (3)

Capital Constraint

risk
#35 of 107 • Bottom 31.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 91.49%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.55%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Liquidity Strain

risk
#233 of 691 • Bottom 33.6% 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: 91.49%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Deposit Outflow

decline
#189 of 535 • Bottom 35.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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 (6 metrics)

2389
Total Assets
size
Value: $135.31M
Peer Median: $386.57M
#2389 of 2643 Bottom 9.6% in $100M-$1B
2338
Total Deposits
size
Value: $119.40M
Peer Median: $326.73M
#2338 of 2643 Bottom 11.6% in $100M-$1B
2268
Non-Interest-Bearing Deposit Share
funding
Value: 11.88%
Peer Median: 22.03%
#2268 of 2643 Bottom 14.2% in $100M-$1B
2062
Total Loans
size
Value: $109.24M
Peer Median: $258.35M
#2062 of 2643 Bottom 22.0% in $100M-$1B
2027
Loan-to-Deposit Ratio
liquidity
Value: 91.49%
Peer Median: 77.95%
#2027 of 2643 Bottom 23.3% in $100M-$1B
2027
Efficiency Ratio
profitability
Value: 73.18%
Peer Median: 64.48%
#2027 of 2643 Bottom 23.3% in $100M-$1B
Powered by BlastPoint © 2026