BanksPEOPLES BANK, THE

PEOPLES BANK, THE

MARION, KYSmallEst. Oct. 1, 1946, midnightFDIC #16603RSSD #446149FED
Latest · 2025-12-31

PEOPLES BANK, THE is an 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%. CET1 capital ratio: 11.09%, well above regulatory minimums. NPL ratio: 0.32% · Texas Ratio: 4.79%. Operates 4 domestic branches.

Assets
$134M
Deposits
$119M
Loans
$106M
Equity
$15M

Profitability

Return on Assets (ROA)0.53%
Return on Equity (ROE)4.75%
Net Interest Margin4.12%
Yield on Assets6.56%
Cost of Funds2.54%

Asset Quality

NPL Ratio0.32%
Net Charge-Off Ratio0.11%
Texas Ratio4.79%
NPA Ratio0.59%
ACL / Loans1.55%

Capital & Liquidity

CET1 Ratio11.09%
Tier 1 Capital11.09%
Total Capital Ratio11.65%
Leverage Ratio11.43%
Loan-to-Deposit89.07%

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