PEOPLES BANK OF KENTUCKY, INC.

FLEMINGSBURG, KY | Medium | Est. April 6, 1906, midnight | FDIC #16970 | RSSD #995517 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK OF KENTUCKY, INC. is amn medium FDIC-insured commercial bank headquartered in FLEMINGSBURG, KY, established in April 6, 1906, midnight. As of 2025-12-31, the bank reported total assets of $542M and total deposits of $467M. Profitability stands at 1.17% ROA and 10.27% ROE, with a net interest margin of 4.75%. The bank's CET1 capital ratio is 15.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.59% and a Texas Ratio of 14.65%. FDIC Certificate #16970.

Assets

$542M

Deposits

$467M

Loans

$409M

Equity

$62M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 10.27%
Net Interest Margin (NIM) 4.75%
Yield on Assets 6.93%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 2.59%
Net Charge-Off Ratio 0.12%
Texas Ratio 14.65%
NPA Ratio 1.95%
ACL / Loans 2.53%

Capital & Liquidity

CET1 Ratio 15.61%
Tier 1 Capital 15.61%
Total Capital Ratio 16.88%
Leverage Ratio 11.43%
Loan-to-Deposit 87.55%

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