BlastPoint's Banking Scorecard

Peoples Bank of Kentucky, Inc.

$100M-$1B Specialty: Agricultural KY FDIC cert 16970

Flemingsburg, KY

12 branches across KY

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

Peoples Bank of Kentucky, Inc. 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 0.56% above tier average
+ Efficiency Ratio 12.08% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.22% below tier average
- Delinquency Rate 1.81% above tier average
- Nonperforming Asset Ratio 1.25% 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 ?	$557.6M +10.1% YoY +2.8% QoQ	+$171.5M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$388.7M +0.1% YoY -2.5% QoQ	+$133.0M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$486.0M +11.1% YoY +4.0% QoQ	+$158.1M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	-0.95% -174.1% YoY -174.2% QoQ	-2.22%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Bottom 1.1% in tier
Net Interest Margin ?	4.49% -1.3% YoY -6.4% QoQ	+0.56%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	53.21% -2.9% YoY -8.7% QoQ	-12.08%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	2.70% +36.7% YoY +1.8% QoQ	+1.81%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Bottom 7.0% in tier
Loan-to-Deposit Ratio ?	79.98% -9.9% YoY -6.3% QoQ	+3.34%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	10.38% -6.0% YoY +3.7% QoQ	-11.64%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Bottom 11.6% in tier
Nonperforming Asset Ratio ?	1.88% +24.4% YoY -3.4% QoQ	+1.25%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Bottom 7.7% in tier
Tier 1 Capital Ratio ?	15.64% +10.7% YoY +0.2% QoQ	-0.19%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.14% +11.3% YoY -73.8% QoQ	-0.14%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	70%

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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 (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 (5 metrics)

489

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.93%

#489 of 2664 Top 18.3% in $100M-$1B

569

Total Loans

size

Value: $388.73M

Peer Median: $255.72M

#569 of 2664 Top 21.3% in $100M-$1B

583

Total Deposits

size

Value: $486.02M

Peer Median: $327.97M

#583 of 2664 Top 21.8% in $100M-$1B

589

Efficiency Ratio

profitability

Value: 53.21%

Peer Median: 65.29%

#589 of 2664 Top 22.1% in $100M-$1B

610

Total Assets

size

Value: $557.55M

Peer Median: $386.08M

#610 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (4 metrics)

2635

Return on Assets

profitability

Value: -0.95%

Peer Median: 1.27%

#2635 of 2664 Bottom 1.1% in $100M-$1B

2468

Delinquency Rate

credit_quality

Value: 2.70%

Peer Median: 0.89%

#2468 of 2654 Bottom 7.0% in $100M-$1B

2461

Nonperforming Asset Ratio

credit_quality

Value: 1.88%

Peer Median: 0.64%

#2461 of 2664 Bottom 7.7% in $100M-$1B

2356

Non-Interest-Bearing Deposit Share

funding

Value: 10.38%

Peer Median: 22.02%

#2356 of 2664 Bottom 11.6% in $100M-$1B