BlastPoint's Banking Scorecard

Peoples Exchange Bank

$100M-$1B Specialty: Commercial KY FDIC cert 8785

Winchester, KY

9 branches across KY

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

Peoples Exchange Bank has 3 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 0.12% above tier average
+ Efficiency Ratio 2.77% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.1% in tier
- Credit Risk Growth: Bottom 18.3% in tier
- Liquidity Strain: Bottom 27.2% in tier

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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 ?	$626.9M +7.8% YoY +2.0% QoQ	+$240.8M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$501.2M +5.2% YoY +1.8% QoQ	+$245.5M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Top 11.0% in tier
Total Deposits ?	$540.1M +11.1% YoY +1.7% QoQ	+$212.1M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.22% +39.5% YoY +14.3% QoQ	-0.05%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	51%
Net Interest Margin ?	4.05% +6.1% YoY +2.5% QoQ	+0.12%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	62.51% -8.6% YoY -3.4% QoQ	-2.77%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.12% +54.6% QoQ	-0.77%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	92.80% -5.3% YoY +0.1% QoQ	+16.16%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	25.22% -7.6% YoY +0.8% QoQ	+3.20%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.17% +24.8% QoQ	-0.46%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	62%
Tier 1 Capital Ratio ?	9.78% +0.5% YoY +2.5% QoQ	-6.05%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	Bottom 6.9% in tier
Non-Interest Income / Assets ?	0.15% -1.9% YoY -75.3% QoQ	-0.13%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	74%

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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 (3)

Credit Quality Pressure

risk

#238 of 1308 • Bottom 18.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.12%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#179 of 973 • Bottom 18.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#176 of 643 • Bottom 27.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.80%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

293

Total Loans

size

Value: $501.17M

Peer Median: $255.72M

#293 of 2664 Top 11.0% in $100M-$1B

455

Total Deposits

size

Value: $540.08M

Peer Median: $327.97M

#455 of 2664 Top 17.0% in $100M-$1B

471

Total Assets

size

Value: $626.92M

Peer Median: $386.08M

#471 of 2664 Top 17.6% in $100M-$1B

Top Weaknesses (2 metrics)

2482

Tier 1 Capital Ratio

capital

Value: 9.78%

Peer Median: 15.83%

#2482 of 2664 Bottom 6.9% in $100M-$1B

2163

Loan-to-Deposit Ratio

liquidity

Value: 92.80%

Peer Median: 76.64%

#2163 of 2664 Bottom 18.8% in $100M-$1B