BlastPoint

BlastPoint's Banking Scorecard

Peoples Bank, Mt. Washington

$100M-$1B Specialty: Commercial KY FDIC cert 5847

Mount Washington, KY

2 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 -3.7% year over year ($109.6M on the books).
  • Delinquency rate 1.19%.
  • Return on assets 1.76%.
  • Efficiency ratio 62.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.35% 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) →

Peoples Bank, Mt. Washington has 3 strengths but faces 2 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

  • + Deposit Franchise: Top 11.2% in tier
  • + ROA 0.44% above tier average
  • + Efficiency Ratio 1.96% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 17.0% in tier
  • - Delinquency Rate 0.27% above tier average
Get updates when Peoples Bank, Mt. Washington releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $120.0M
-2.5% YoY -0.3% QoQ
-$266.6M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 5.6% in tier
Total Loans ? $86.9M
+12.2% YoY +3.3% QoQ
-$171.4M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 13.4% in tier
Total Deposits ? $109.6M
-3.7% YoY -0.6% QoQ
-$217.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 8.6% in tier
Return on Assets ? 1.76%
+9.5% YoY -8.1% QoQ
+0.44% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 5.13%
+7.6% YoY +2.4% QoQ
+1.15% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Top 6.2% in tier
Efficiency Ratio ? 62.52%
-7.5% YoY +1.0% QoQ
-1.96% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 1.19%
-11.0% YoY -3.2% QoQ
+0.27% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 79.35%
+16.5% YoY +3.9% QoQ
+1.40% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 39.39%
-3.5% YoY -3.6% QoQ
+17.35% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 5.2% in tier
Nonperforming Asset Ratio ? 0.86%
+2.5% YoY +0.3% QoQ
+0.19% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 12.93%
-5.9% YoY -2.2% QoQ
-2.98% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.33%
+19.1% YoY +118.7% QoQ
-0.24% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
77%

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 39.4%
-1.4pp YoY
-1.5pp QoQ
 +17.2pp 22.1% 23.5% 22.2% 95%
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 5.6%
-0.6pp YoY
+0.2pp QoQ
 -6.0pp 11.6% 8.6% 12.5% 23%
CRE 46.4%
-0.4pp YoY
-1.1pp QoQ
 +6.9pp 39.5% 37.1% 41.4% 64%
1-4 Family 35.1%
-1.0pp YoY
+0.2pp QoQ
 +2.5pp 32.6% 41.6% 31.3% 62%
Consumer 0.6%
0.0pp YoY
0.0pp QoQ
 -3.5pp 4.1% 4.8% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 12.9%
-0.8pp YoY
-0.3pp QoQ
 -5.9pp 18.8% 20.2% 19.7% 27%
Leverage Ratio 10.6%
+0.3pp YoY
0.0pp QoQ
 -1.6pp 12.2% 14.0% 12.6% 43%
Total Capital Ratio 14.2%
-0.7pp YoY
-0.2pp QoQ
 -5.8pp 19.9% 21.3% 20.8% 28%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 23
-1 (-4.2%) YoY
-1 (-4.2%) QoQ
 -36 58 105 482 15%
Assets per Employee ($) $5.2M
+1.7% YoY
+4.1% QoQ
 -$2.3M $7.5M $6.3M $8.8M 18%
Branch Count 2
0 YoY
0 QoQ
 -3 4 8 18 11%

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 1.2%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 0.9% 0.8% 1.0% 75%
Allowance Coverage 1.17x
+23.2% YoY
+13.6% QoQ
 -22.98x 24.15x 7.45x 20.23x 31%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 21.8%
-0.9pp YoY
-2.0pp QoQ
 +9.6pp 12.2% 13.3% 11.6% 92%
Cost of Funds (YTD) 0.6%
-0.1pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.7% 1.7% 3%
Net Income ($, YTD) $1.1M
+11.7% YoY
— QoQ
 -$1.5M $2.6M $5.1M $40.4M 28%

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
#32 of 278 • Top 11.2% 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: 39.39%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.13%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline
#92 of 535 • Bottom 17.0% 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

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 (4 metrics)

138
Non-Interest-Bearing Deposit Share
funding
Value: 39.39%
Peer Median: 22.03%
#138 of 2643 Top 5.2% in $100M-$1B
166
Net Interest Margin
profitability
Value: 5.13%
Peer Median: 3.99%
#166 of 2643 Top 6.2% in $100M-$1B
571
Return on Assets
profitability
Value: 1.76%
Peer Median: 1.32%
#571 of 2643 Top 21.6% in $100M-$1B
610
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#610 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (5 metrics)

2495
Total Assets
size
Value: $119.96M
Peer Median: $386.57M
#2495 of 2643 Bottom 5.6% in $100M-$1B
2418
Total Deposits
size
Value: $109.57M
Peer Median: $326.73M
#2418 of 2643 Bottom 8.6% in $100M-$1B
2290
Total Loans
size
Value: $86.95M
Peer Median: $258.35M
#2290 of 2643 Bottom 13.4% in $100M-$1B
2004
Nonperforming Asset Ratio
credit_quality
Value: 0.86%
Peer Median: 0.67%
#2004 of 2643 Bottom 24.2% in $100M-$1B
1990
Delinquency Rate
credit_quality
Value: 1.19%
Peer Median: 0.92%
#1990 of 2633 Bottom 24.5% in $100M-$1B
Powered by BlastPoint © 2026