$558M
+10.1%y/y
Percentile by value58th percentileby value
FDIC
ASSETPB
Peoples Bank of Kentucky, Inc.
Flemingsburg, KentuckyFDIC Cert #16970
STATEEstablished 190612 branches
Holding company: PEOPLES FLEMING CNTY BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportPeoples Bank of Kentucky, Inc. reported $558M in total assets. Deposits grew 11.09% over the prior year.
Return on assets was −0.95%, compared with an asset-peer median of 1.22%. The leverage ratio was 11.30%.
- Why is Return on Assets below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
- Why is CRE Concentration to Capital 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
$486M
+11.1%y/y
Percentile by value60th percentileby value
FDIC
DEP$389M
+0.1%y/y
Percentile by value60th percentileby value
FDIC
LNLSNET−0.95%
−224 bpsy/y
Peer standing1st percentile
FDIC
NETINC + ROA53.21%
−156 bpsy/y
Peer standing76th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.30%
−40 bpsy/y
Peer standing62nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $365M | $318M |
| Q3 2021 | $366M | $317M |
| Q4 2021 | $381M | $327M |
| Q1 2022 | $389M | $336M |
| Q2 2022 | $406M | $346M |
| Q3 2022 | $412M | $352M |
| Q4 2022 | $434M | $355M |
| Q1 2023 | $445M | $376M |
| Q2 2023 | $466M | $390M |
| Q3 2023 | $481M | $401M |
| Q4 2023 | $484M | $411M |
| Q1 2024 | $492M | $415M |
| Q2 2024 | $509M | $434M |
| Q3 2024 | $497M | $418M |
| Q4 2024 | $493M | $424M |
| Q1 2025 | $507M | $438M |
| Q2 2025 | $513M | $442M |
| Q3 2025 | $534M | $459M |
| Q4 2025 | $542M | $467M |
| Q1 2026 | $558M | $486M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $25.1M |
| Investor CRE | $38.3M |
| Multifamily | $14.1M |
| Construction | $13M |
| 1–4 family | $123M |
| C&I | $36.9M |
| Agriculture | $139M |
| Other | $13.8M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.95%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE−8.60%1st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.49%84th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.21%76th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+11.09%84th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+0.14%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.61%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ11.30%62nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
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 + DEPIDOM2.47%48th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC99%28th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
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 + ROA−0.95%1st 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 + ROE−8.60%1st 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 + NIMY4.49%84th 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 + EEFFR53.21%75th 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+11.09%89th 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+0.14%13th 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 + LNLSGR2.61%5th 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
RBC1AAJ11.30%60th 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 + DEPIDOM2.47%59th 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 + RBC99%23rd percentileby valueToggle 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 + ROA−0.95%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.67%Median 1.31%90th 1.91%Observations 43
ROE
FDIC
NETINC + ROE−8.60%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.38%Median 13.30%90th 23.44%Observations 43
NIM
FDIC
NIM + NIMY4.49%93rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.13%Median 3.78%90th 4.44%Observations 43
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR53.21%69th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.97%Median 57.62%90th 73.49%Observations 43
Deposits YoY
FDIC
DEP+11.09%86th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.37%Median +5.37%90th +11.47%Observations 43
Loans YoY
FDIC
LNLSNET+0.14%2nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.42%Median +6.13%90th +16.09%Observations 43
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.61%2nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.10%Median 0.41%90th 1.34%Observations 43
Leverage
FDIC
RBC1AAJ11.30%62nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.68%Median 10.40%90th 13.31%Observations 43
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 + DEPIDOM2.47%67th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.80%Median 2.73%90th 3.52%Observations 43
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC99%23rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 182%90th 299%Observations 27
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
- 12 branches
- Headquarters
- Flemingsburg, 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