FIRST & PEOPLES BANK AND TRUST COMPANY

RUSSELL, KY | Small | Est. Feb. 28, 1932, midnight | FDIC #8122 | RSSD #391418 | FDIC
Latest Report: 2025-12-31

FIRST & PEOPLES BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in RUSSELL, KY, established in Feb. 28, 1932, midnight. As of 2025-12-31, the bank reported total assets of $206M and total deposits of $189M. Profitability stands at 1.26% ROA and 16.53% ROE, with a net interest margin of 2.95%. The bank's CET1 capital ratio is 8.10%. Asset quality metrics show a non-performing loan ratio of 17.93% and a Texas Ratio of 78.93%. FDIC Certificate #8122.

Assets

$206M

Deposits

$189M

Loans

$90M

Equity

$17M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 16.53%
Net Interest Margin (NIM) 2.95%
Yield on Assets 4.10%
Cost of Funds 1.16%

Asset Quality

NPL Ratio 17.93%
Net Charge-Off Ratio 3.00%
Texas Ratio 78.93%
NPA Ratio 7.84%
ACL / Loans 4.18%

Capital & Liquidity

CET1 Ratio 8.10%
Tier 1 Capital 8.10%
Total Capital Ratio 8.51%
Leverage Ratio 9.31%
Loan-to-Deposit 47.71%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required