$195M
+5.0%y/y
Percentile by value55th percentileby value
FDIC
ASSETPB
Peoples Bank
Lebanon, KentuckyFDIC Cert #1562
STATEEstablished 19104 branches
Holding company: KING HARRIS BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportPeoples Bank reported $195M in total assets. Deposits grew 2.79% over the prior year.
Return on assets was 1.01%, compared with an asset-peer median of 1.18%. The leverage ratio was 9.38%.
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$169M
+2.8%y/y
Percentile by value57th percentileby value
FDIC
DEP$162M
+9.0%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET1.01%
−12 bpsy/y
Peer standing41st percentile
FDIC
NETINC + ROA64.48%
+282 bpsy/y
Peer standing50th percentile
FDIC
NONIX + NIM + NONII + EEFFR9.38%
−51 bpsy/y
Peer standing19th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $114M | $92.1M |
| Q3 2021 | $107M | $92.9M |
| Q4 2021 | $99.5M | $86.5M |
| Q1 2022 | $105M | $94M |
| Q2 2022 | $109M | $100M |
| Q3 2022 | $114M | $106M |
| Q4 2022 | $125M | $113M |
| Q1 2023 | $127M | $114M |
| Q2 2023 | $137M | $118M |
| Q3 2023 | $143M | $131M |
| Q4 2023 | $161M | $137M |
| Q1 2024 | $170M | $156M |
| Q2 2024 | $167M | $151M |
| Q3 2024 | $170M | $154M |
| Q4 2024 | $168M | $151M |
| Q1 2025 | $186M | $164M |
| Q2 2025 | $186M | $166M |
| Q3 2025 | $189M | $167M |
| Q4 2025 | $186M | $163M |
| Q1 2026 | $195M | $169M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $4.83M |
| Investor CRE | $41.2M |
| Multifamily | $8.59M |
| Construction | $5.66M |
| 1–4 family | $51.7M |
| C&I | $42.6M |
| Agriculture | $5.68M |
| Other | $2.93M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.01%41st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE13.12%63rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY4.07%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.48%50th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+2.79%43rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+9.05%70th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.68%37th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ9.38%19th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.07%16th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.01%34th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.59%Median 1.26%90th 1.93%Observations 120
ROE
FDIC
NETINC + ROE13.12%51st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.25%Median 13.08%90th 22.33%Observations 120
NIM
FDIC
NIM + NIMY4.07%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.10%Median 3.88%90th 4.65%Observations 120
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.48%43rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.42%Median 61.83%90th 78.71%Observations 120
Deposits YoY
FDIC
DEP+2.79%39th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.06%Median +3.80%90th +11.14%Observations 120
Loans YoY
FDIC
LNLSNET+9.05%75th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.35%Median +6.09%90th +15.85%Observations 120
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.68%35th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.42%90th 2.06%Observations 120
Leverage
FDIC
RBC1AAJ9.38%24th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.86%Median 10.66%90th 15.01%Observations 120
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.07%18th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.48%Median 2.53%90th 3.35%Observations 120
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 64%Median 168%90th 259%Observations 70
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.01%40th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.58%Median 1.25%90th 1.92%Observations 46
ROE
FDIC
NETINC + ROE13.12%49th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.60%Median 13.24%90th 23.56%Observations 46
NIM
FDIC
NIM + NIMY4.07%53rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.22%Median 4.04%90th 4.81%Observations 46
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.48%51st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.52%Median 64.48%90th 78.55%Observations 46
Deposits YoY
FDIC
DEP+2.79%42nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.74%Median +3.52%90th +11.76%Observations 46
Loans YoY
FDIC
LNLSNET+9.05%67th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.25%Median +6.16%90th +15.88%Observations 46
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.68%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.57%90th 2.18%Observations 46
Leverage
FDIC
RBC1AAJ9.38%29th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.18%90th 14.39%Observations 46
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.07%11th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.48%Median 2.49%90th 3.13%Observations 46
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 161%90th 215%Observations 26
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Lebanon, KY
FDIC
OFFDOMOpen the Kentucky dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data