BlastPoint's Banking Scorecard

The Peoples Bank

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

Marion, KY

4 branches across KY

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

The Peoples Bank has 2 strengths but faces 3 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 0.12% above tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 5.3% in tier
- ROA 0.68% below tier average
- Efficiency Ratio 12.36% above tier average

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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 ?	$135.2M -1.2% YoY +1.0% QoQ	-$250.9M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Bottom 9.7% in tier
Total Loans ?	$104.2M +0.6% YoY +0.2% QoQ	-$151.5M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	21%
Total Deposits ?	$119.7M -2.0% YoY +0.9% QoQ	-$208.3M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Bottom 11.7% in tier
Return on Assets ?	0.59% +12.6% YoY -18.3% QoQ	-0.68%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	4.05% +0.4% YoY -1.0% QoQ	+0.12%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	77.65% +0.2% YoY +5.3% QoQ	+12.36%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.22% -34.6% YoY -31.8% QoQ	-0.67%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	87.09% +2.6% YoY -0.7% QoQ	+10.45%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	12.82% +5.5% YoY +13.2% QoQ	-9.20%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	0.44% -15.8% YoY -26.1% QoQ	-0.20%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	11.27% +6.3% YoY -1.4% QoQ	-4.56%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.11% +23.8% YoY -74.8% QoQ	-0.17%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	59%

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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 (1)

Flatlined Growth

risk

#28 of 512 • Bottom 5.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.59%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 (6 metrics)

2406

Total Assets

size

Value: $135.21M

Peer Median: $386.08M

#2406 of 2664 Bottom 9.7% in $100M-$1B

2353

Total Deposits

size

Value: $119.65M

Peer Median: $327.97M

#2353 of 2664 Bottom 11.7% in $100M-$1B

2245

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.27%

#2245 of 2664 Bottom 15.8% in $100M-$1B

2212

Non-Interest-Bearing Deposit Share

funding

Value: 12.82%

Peer Median: 22.02%

#2212 of 2664 Bottom 17.0% in $100M-$1B

2173

Efficiency Ratio

profitability

Value: 77.65%

Peer Median: 65.29%

#2173 of 2664 Bottom 18.5% in $100M-$1B

2110

Total Loans

size

Value: $104.20M

Peer Median: $255.72M

#2110 of 2664 Bottom 20.8% in $100M-$1B