Peoples Bank of Kentucky, Inc.: Financial Reports & UBPR Data
BankRegReports is independent of Peoples Bank of Kentucky, Inc. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Peoples Bank of Kentucky, Inc.. Based in Flemingsburg, Kentucky, it had $565 million in assets at June 30, 2026, up 10.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.20% of loans from 1.87% a year earlier. It carries problem assets equal to 17.0% of the capital and reserves that would absorb them, 6.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 1.0% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $2.7 million, 61% above the same quarter a year earlier. Over the same year, loans shrank 1.0% and deposits grew 10.6%. Funding is the softer spot: it pays an average of 2.31% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Peoples Bank of Kentucky, Inc. reported a CET1 capital ratio of 16.27%, a return on assets of 1.89%, a nonperforming-loan ratio of 3.20% and a Texas ratio of 17.01%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 106 S Main Cross St, Flemingsburg, KY 41041
- County
- Fleming
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 6, 1906
- Offices
- 12 domestic
- Employees (FTE)
- 110
- Domestic deposits
- $489.3M
- Allowance for credit losses
- $12.8M
- Net charge-offs (YTD)
- $269K
- Average total assets
- $568.7M
- Average total loans
- $390.0M
- Average interest-bearing deposits
- $411.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 27, 1950
- FDIC Cert
- 16970
- Fed RSSD
- 995517
- Website
- http://www.peoplesbankofky.com →
- Parent Holding Company
- PEOPLES OF FLEMING COUNTY BANCORP, INC. (RSSD 2356701)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Peoples Bank of Kentucky, Inc. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Peoples Bank of Kentucky, Inc., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Peoples Bank of Kentucky, Inc. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Peoples Bank of Kentucky, Inc.: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.27% | 1.89% | 3.25% | 17.01% | 4.08% |
| Q1 2026 | 15.64% | -0.97% | 2.65% | 14.36% | 4.52% |
| Q4 2025 | 15.61% | 1.16% | 2.63% | 14.78% | 4.60% |
| Q3 2025 | 15.25% | 1.42% | 1.89% | 11.08% | 5.25% |
| Q2 2025 | 14.88% | 1.31% | 1.97% | 11.07% | 4.86% |
| Q1 2025 | 14.13% | 1.30% | 1.96% | 11.65% | 4.55% |
| Q4 2024 | 14.57% | 0.95% | 1.02% | 5.68% | 4.81% |
| Q3 2024 | 14.47% | 1.45% | 1.02% | 5.60% | 4.89% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank of Kentucky, Inc. (main office) | Flemingsburg , KY | 41041 | $236.0M |
| Tucker Drive Branch | Maysville , KY | 41056 | $91.0M |
| Slate Avenue Branch | Owingsville , KY | 40360 | $49.8M |
| Cave Run Banking Center Branch | Morehead , KY | 40351 | $36.5M |
| Silver Creek Branch | Mount Sterling , KY | 40353 | $30.3M |
| Tollesboro Branch | Tollesboro , KY | 41189 | $28.4M |
| Bluegrass Branch | Lexington , KY | 40511 | $9.2M |
| Windsor Branch | Flemingsburg , KY | 41041 | $3.2M |
| Mayslick Branch | Mayslick , KY | 41055 | $3.2M |
| Drive-In Branch | Flemingsburg , KY | 41041 | $1.9M |
| Morehead Road Branch | Flemingsburg , KY | 41041 | $4K |
| Hillsboro Branch | Hillsboro , KY | 41049 | $2K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired The Salt Lick Deposit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Peoples Bank of Kentucky, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in KY, rank 49 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 240 applications, 184 loans originated, $30.7M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Peoples Bank of Kentucky, Inc.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Peoples Bank of Kentucky, Inc. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Peoples Bank of Kentucky, Inc.
What are Peoples Bank of Kentucky, Inc.'s total assets?
As of the Q2 2026 filing, Peoples Bank of Kentucky, Inc. reported total assets of $564.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Bank of Kentucky, Inc. headquartered?
Peoples Bank of Kentucky, Inc. is headquartered in Flemingsburg, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Peoples Bank of Kentucky, Inc. founded?
Peoples Bank of Kentucky, Inc. was established in 1906, per the FDIC institution directory.
Is Peoples Bank of Kentucky, Inc. FDIC-insured?
Yes. Peoples Bank of Kentucky, Inc. is an FDIC-insured commercial bank (FDIC Certificate #16970). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Kentucky, Inc.?
Peoples Bank of Kentucky, Inc.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Bank of Kentucky, Inc.'s CET1 capital ratio?
Peoples Bank of Kentucky, Inc. reported a Common Equity Tier 1 (CET1) capital ratio of 16.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Bank of Kentucky, Inc. operate?
Peoples Bank of Kentucky, Inc. operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank of Kentucky, Inc.'s Texas Ratio?
Peoples Bank of Kentucky, Inc.'s Texas Ratio is 17.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Peoples Bank of Kentucky, Inc.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Peoples Bank of Kentucky, Inc., freeFree account