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First & Peoples Bank and Trust Company

$100M-$1B Specialty: Other KY FDIC cert 8122

Russell, KY

4 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 -3.0% year over year ($190.6M on the books).
  • Delinquency rate 15.98%.
  • Return on assets -0.48%.
  • Efficiency ratio 109.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 45.93% 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) →

First & Peoples Bank and Trust Company faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 4.1% in tier
  • - Return on Assets 1.80% below tier average
  • - Efficiency Ratio 44.86% above tier average
  • - Delinquency Rate 15.06% above tier average
  • - Nonperforming Asset Ratio 6.08% above tier average
  • - Net Interest Margin 0.92% below tier average
Get updates when First & Peoples Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $207.1M
-1.7% YoY -1.0% QoQ
-$179.5M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $87.5M
-3.4% YoY +3.0% QoQ
-$170.8M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 13.7% in tier
Total Deposits ? $190.6M
-3.0% YoY -1.3% QoQ
-$136.2M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? -0.48%
+68.2% YoY +14.3% QoQ
-1.80% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Bottom 1.8% in tier
Net Interest Margin ? 3.07%
+16.9% YoY +2.5% QoQ
-0.92% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 11.6% in tier
Efficiency Ratio ? 109.34%
-7.1% YoY -2.5% QoQ
+44.86% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Bottom 1.5% in tier
Delinquency Rate ? 15.98%
-26.5% YoY -11.4% QoQ
+15.06% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Bottom 0.1% in tier
Loan-to-Deposit Ratio ? 45.93%
-0.4% YoY +4.3% QoQ
-32.02% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Top 6.5% in tier
Non-Interest-Bearing Deposit Share ? 23.37%
+5.1% YoY -2.9% QoQ
+1.34% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
60%
Nonperforming Asset Ratio ? 6.75%
-27.8% YoY -7.9% QoQ
+6.08% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 0.4% in tier
Tier 1 Capital Ratio ? 9.05%
-0.2% YoY -1.4% QoQ
-6.86% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 1.1% in tier
Non-Interest Income / Assets ? 0.30%
+0.7% YoY +108.6% QoQ
-0.27% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
71%

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 23.4%
+1.1pp YoY
-0.7pp QoQ
 +1.2pp 22.1% 23.5% 22.2% 60%
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 2.2%
-0.1pp YoY
-0.2pp QoQ
 -9.3pp 11.6% 8.6% 12.5% 7%
CRE 25.9%
+4.7pp YoY
+1.4pp QoQ
 -13.7pp 39.5% 37.1% 41.4% 28%
1-4 Family 22.5%
+2.7pp YoY
+0.2pp QoQ
 -10.2pp 32.6% 41.6% 31.3% 35%
Consumer 20.9%
+16.1pp YoY
-1.9pp QoQ
 +16.8pp 4.1% 4.8% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 9.0%
0.0pp YoY
-0.1pp QoQ
 -3.1pp 12.2% 14.0% 12.6% 13%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 48
-4 (-7.7%) YoY
-1 (-2.0%) QoQ
 -11 58 105 482 50%
Assets per Employee ($) $4.3M
+6.5% YoY
+1.0% QoQ
 -$3.2M $7.5M $6.3M $8.8M 7%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

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 16.0%
-5.8pp YoY
-2.1pp QoQ
 +15.0pp 0.9% 0.8% 1.0% 100%
Allowance Coverage 0.28x
+45.9% YoY
-2.3% QoQ
 -23.88x 24.15x 7.45x 20.23x 3%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE -6.2%
+16.7pp YoY
+1.0pp QoQ
 -18.4pp 12.2% 13.3% 11.6% 1%
Cost of Funds (YTD) 1.1%
-0.4pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 14%
Net Income ($, YTD) $-500000.0
+68.7% YoY
— QoQ
 -$3.1M $2.6M $5.1M $40.4M 2%

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)

Capital Thin

risk
#28 of 661 • Bottom 4.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.05%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 (1 metrics)

172
Loan-to-Deposit Ratio
liquidity
Value: 45.93%
Peer Median: 77.95%
#172 of 2643 Top 6.5% in $100M-$1B

Top Weaknesses (7 metrics)

2631
Delinquency Rate
credit_quality
Value: 15.98%
Peer Median: 0.92%
#2631 of 2633 Bottom 0.1% in $100M-$1B
2633
Nonperforming Asset Ratio
credit_quality
Value: 6.75%
Peer Median: 0.67%
#2633 of 2643 Bottom 0.4% in $100M-$1B
2615
Tier 1 Capital Ratio
capital
Value: 9.05%
Peer Median: 15.91%
#2615 of 2643 Bottom 1.1% in $100M-$1B
2605
Efficiency Ratio
profitability
Value: 109.34%
Peer Median: 64.48%
#2605 of 2643 Bottom 1.5% in $100M-$1B
2596
Return on Assets
profitability
Value: -0.48%
Peer Median: 1.32%
#2596 of 2643 Bottom 1.8% in $100M-$1B
2338
Net Interest Margin
profitability
Value: 3.07%
Peer Median: 3.99%
#2338 of 2643 Bottom 11.6% in $100M-$1B
2283
Total Loans
size
Value: $87.53M
Peer Median: $258.35M
#2283 of 2643 Bottom 13.7% in $100M-$1B
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