BlastPoint's Banking Scorecard
Peoples Bank of Kentucky, Inc.
Flemingsburg, KY
12 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 +10.6% year over year ($489.3M on the books).
- Delinquency rate 3.31%.
- Return on assets 0.49%.
- Efficiency ratio 56.37% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank of Kentucky, Inc. has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 8.11% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.39% above tier average
- - Nonperforming Asset Ratio 1.58% above tier average
- - ROA 0.83% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$564.9M
+10.1% YoY
+1.3% QoQ
|
+$178.3M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$383.9M
-1.8% YoY
-1.2% QoQ
|
+$125.5M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$489.3M
+10.6% YoY
+0.7% QoQ
|
+$162.6M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
79% |
| Return on Assets ? |
0.49%
-61.9% YoY
+151.9% QoQ
|
-0.83% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.1% in tier |
| Net Interest Margin ? |
4.27%
-9.6% YoY
-4.9% QoQ
|
+0.28% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
56.37%
+0.8% YoY
+5.9% QoQ
|
-8.11% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
3.31%
+72.1% YoY
+22.3% QoQ
|
+2.39% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.4% in tier |
| Loan-to-Deposit Ratio ? |
78.45%
-11.2% YoY
-1.9% QoQ
|
+0.50% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
10.27%
-7.2% YoY
-1.1% QoQ
|
-11.76% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.2% in tier |
| Nonperforming Asset Ratio ? |
2.25%
+53.5% YoY
+19.2% QoQ
|
+1.58% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.8% in tier |
| Tier 1 Capital Ratio ? |
16.27%
+9.3% YoY
+4.0% QoQ
|
+0.36% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.27%
+3.6% YoY
+98.4% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
10.3%
-0.8pp YoY -0.1pp QoQ |
-11.9pp | 22.1% | 23.5% | 22.2% | 11% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 5.4% | 8.5% | 2% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.5%
-2.0pp YoY -0.9pp QoQ |
-3.0pp | 11.6% | 8.6% | 12.5% | 44% |
| CRE |
23.8%
+2.8pp YoY +0.5pp QoQ |
-15.7pp | 39.5% | 37.1% | 41.4% | 24% |
| 1-4 Family |
32.2%
+1.5pp YoY +0.6pp QoQ |
-0.4pp | 32.6% | 41.6% | 31.3% | 56% |
| Consumer |
3.5%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 4.1% | 4.8% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.3%
+1.4pp YoY +0.6pp QoQ |
-2.6pp | 18.8% | 20.2% | 19.7% | 60% |
| Leverage Ratio |
11.1%
-0.6pp YoY -0.2pp QoQ |
-1.0pp | 12.2% | 14.0% | 12.6% | 53% |
| Total Capital Ratio |
17.5%
+1.4pp YoY +0.6pp QoQ |
-2.4pp | 19.9% | 21.3% | 20.8% | 60% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
110
+6 (+5.8%) YoY +3 (+2.8%) QoQ |
+51 | 58 | 105 | 482 | 90% |
| Assets per Employee ($) |
$5.1M
+4.1% YoY -1.4% QoQ |
-$2.4M | $7.5M | $6.3M | $8.8M | 16% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 8 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
3.3%
+1.4pp YoY +0.6pp QoQ |
+2.4pp | 0.9% | 0.8% | 1.0% | 95% |
| Allowance Coverage |
1.01x
-23.8% YoY -22.8% QoQ |
-23.15x | 24.15x | 7.45x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 80% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.5%
-7.0pp YoY +13.1pp QoQ |
-7.7pp | 12.2% | 13.3% | 11.6% | 12% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.7% | 1.7% | 75% |
| Net Income ($, YTD) |
$1.4M
-58.1% YoY — QoQ |
-$1.2M | $2.6M | $5.1M | $40.4M | 38% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.