PEOPLES EXCHANGE BANK, INC.

WINCHESTER, KY | Medium | Est. Sept. 13, 1912, midnight | FDIC #8785 | RSSD #129910 | FDIC
Latest Report: 2025-12-31

PEOPLES EXCHANGE BANK, INC. is amn medium FDIC-insured commercial bank headquartered in WINCHESTER, KY, established in Sept. 13, 1912, midnight. As of 2025-12-31, the bank reported total assets of $615M and total deposits of $531M. Profitability stands at 1.13% ROA and 12.42% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 9.04%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.77%. FDIC Certificate #8785.

Assets

$615M

Deposits

$531M

Loans

$498M

Equity

$56M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 12.42%
Net Interest Margin (NIM) 4.21%
Yield on Assets 6.26%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.77%
NPA Ratio 0.08%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 9.04%
Tier 1 Capital 9.04%
Total Capital Ratio 9.49%
Leverage Ratio 9.54%
Loan-to-Deposit 93.85%

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