BlastPoint's Banking Scorecard
Peoples Bank, Mt. Washington
Mount Washington, KY
2 branches across KY
Peoples Bank, Mt. Washington has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 12.9% in tier
- + ROA 0.65% above tier average
- + Efficiency Ratio 3.41% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.3M
+3.0% YoY
+0.3% QoQ
|
-$265.8M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.9% in tier |
| Total Loans ? |
$84.2M
+14.0% YoY
+5.0% QoQ
|
-$171.5M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.1% in tier |
| Total Deposits ? |
$110.2M
+2.2% YoY
+0.6% QoQ
|
-$217.8M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.7% in tier |
| Return on Assets ? |
1.91%
+15.8% YoY
+7.8% QoQ
|
+0.65% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Top 14.7% in tier |
| Net Interest Margin ? |
5.02%
+5.2% YoY
-0.3% QoQ
|
+1.08% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
Top 6.9% in tier |
| Efficiency Ratio ? |
61.87%
-8.1% YoY
-5.4% QoQ
|
-3.41% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
54% |
| Delinquency Rate ? |
1.23%
-14.1% YoY
+935.3% QoQ
|
+0.34% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
76.41%
+11.6% YoY
+4.4% QoQ
|
-0.23% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
40.85%
+8.2% YoY
+1.7% QoQ
|
+18.83% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
Top 4.0% in tier |
| Nonperforming Asset Ratio ? |
0.86%
-5.0% YoY
+984.5% QoQ
|
+0.22% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
13.22%
-6.5% YoY
-3.3% QoQ
|
-2.61% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.15%
+13.9% YoY
-72.3% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
74% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.