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Peoples Exchange Bank

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

Winchester, KY

9 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 +2.1% year over year ($522.7M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 1.26%.
  • Efficiency ratio 62.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.98% 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 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

  • + Credit Quality Leader: Top 20.8% in tier
  • + Net Interest Margin 0.22% above tier average
  • + Efficiency Ratio 2.47% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 24.8% in tier
  • - Liquidity Strain: Bottom 45.1% in tier
  • - ROA 0.06% below tier average
Get updates when Peoples Exchange Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $609.8M
+2.9% YoY -2.7% QoQ
+$223.3M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $512.2M
+5.6% YoY +2.2% QoQ
+$253.8M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Top 10.4% in tier
Total Deposits ? $522.7M
+2.1% YoY -3.2% QoQ
+$196.0M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 1.26%
+27.2% YoY +3.6% QoQ
-0.06% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.20%
+8.5% YoY +3.7% QoQ
+0.22% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 62.01%
-7.1% YoY -0.8% QoQ
-2.47% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
51%
Delinquency Rate ? 0.06%
-35.4% YoY -46.5% QoQ
-0.86% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 97.98%
+3.4% YoY +5.6% QoQ
+20.03% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 12.4% in tier
Non-Interest-Bearing Deposit Share ? 25.40%
-1.7% YoY +0.7% QoQ
+3.37% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.15%
+94.3% YoY -11.2% QoQ
-0.51% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
65%
Tier 1 Capital Ratio ? 9.97%
+4.3% YoY +2.0% QoQ
-5.94% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 10.2% in tier
Non-Interest Income / Assets ? 0.31%
+2.1% YoY +107.8% QoQ
-0.25% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
74%

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 25.4%
-0.4pp YoY
+0.2pp QoQ
 +3.3pp 22.1% 23.5% 22.2% 67%
Brokered Deposits 3.3%
-3.6pp YoY
-1.9pp QoQ
 -4.6pp 7.9% 5.4% 8.5% 40%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 2.3%
-0.5pp YoY
-0.2pp QoQ
 -9.3pp 11.6% 8.6% 12.5% 7%
CRE 43.5%
+1.9pp YoY
+0.6pp QoQ
 +3.9pp 39.5% 37.1% 41.4% 59%
1-4 Family 44.8%
-0.5pp YoY
-0.2pp QoQ
 +12.2pp 32.6% 41.6% 31.3% 77%
Consumer 1.3%
0.0pp YoY
0.0pp QoQ
 -2.8pp 4.1% 4.8% 5.0% 36%

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 10.0%
+0.4pp YoY
+0.2pp QoQ
 -2.2pp 12.2% 14.0% 12.6% 30%
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 97
+2 (+2.1%) YoY
+2 (+2.1%) QoQ
 +38 58 105 482 86%
Assets per Employee ($) $6.3M
+0.8% YoY
-4.7% QoQ
 -$1.2M $7.5M $6.3M $8.8M 38%
Branch Count 9
0 YoY
0 QoQ
 +4 4 8 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 42%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 19.25x
+61.9% YoY
+87.5% QoQ
 -4.90x 24.15x 7.45x 20.23x 88%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 13.5%
+2.4pp YoY
+0.2pp QoQ
 +1.3pp 12.2% 13.3% 11.6% 59%
Cost of Funds (YTD) 1.9%
0.0pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 64%
Net Income ($, YTD) $3.9M
+36.2% YoY
— QoQ
 +$1.3M $2.6M $5.1M $40.4M 80%

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)

Credit Quality Leader

growth
#138 of 659 • Top 20.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Capital Thin

risk
#165 of 661 • Bottom 24.8% 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: 9.97%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#313 of 691 • Bottom 45.1% 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: 97.98%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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)

276
Total Loans
size
Value: $512.15M
Peer Median: $258.35M
#276 of 2643 Top 10.4% in $100M-$1B
472
Total Deposits
size
Value: $522.71M
Peer Median: $326.73M
#472 of 2643 Top 17.8% in $100M-$1B
501
Total Assets
size
Value: $609.83M
Peer Median: $386.57M
#501 of 2643 Top 18.9% in $100M-$1B
586
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#586 of 2633 Top 22.2% in $100M-$1B

Top Weaknesses (2 metrics)

2375
Tier 1 Capital Ratio
capital
Value: 9.97%
Peer Median: 15.91%
#2375 of 2643 Bottom 10.2% in $100M-$1B
2315
Loan-to-Deposit Ratio
liquidity
Value: 97.98%
Peer Median: 77.95%
#2315 of 2643 Bottom 12.4% in $100M-$1B
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