PEOPLES BANK

LEBANON, KY | Small | Est. Sept. 16, 1910, midnight | FDIC #1562 | RSSD #519445 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is asn small FDIC-insured commercial bank headquartered in LEBANON, KY, established in Sept. 16, 1910, midnight. As of 2025-12-31, the bank reported total assets of $186M and total deposits of $163M. Profitability stands at 1.41% ROA and 18.58% ROE, with a net interest margin of 4.69%. The bank's CET1 capital ratio is 7.81%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #1562.

Assets

$186M

Deposits

$163M

Loans

$158M

Equity

$15M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 18.58%
Net Interest Margin (NIM) 4.69%
Yield on Assets 7.21%
Cost of Funds 2.60%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 7.81%
Tier 1 Capital 7.81%
Total Capital Ratio 8.20%
Leverage Ratio 9.31%
Loan-to-Deposit 97.02%

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