PEOPLES BANK, THE

MARION, KY | Small | Est. Oct. 1, 1946, midnight | FDIC #16603 | RSSD #446149 | FED
Latest Report: 2025-12-31

PEOPLES BANK, THE is asn small FDIC-insured commercial bank headquartered in MARION, KY, established in Oct. 1, 1946, midnight. As of 2025-12-31, the bank reported total assets of $134M and total deposits of $119M. Profitability stands at 0.53% ROA and 4.75% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 11.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 4.79%. FDIC Certificate #16603.

Assets

$134M

Deposits

$119M

Loans

$106M

Equity

$15M

Profitability

Return on Assets (ROA) 0.53%
Return on Equity (ROE) 4.75%
Net Interest Margin (NIM) 4.12%
Yield on Assets 6.56%
Cost of Funds 2.54%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.11%
Texas Ratio 4.79%
NPA Ratio 0.59%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 11.09%
Tier 1 Capital 11.09%
Total Capital Ratio 11.65%
Leverage Ratio 11.43%
Loan-to-Deposit 89.07%

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