Bank Comparison
First & Peoples Bank and Trust Company vs Century Bank of Kentucky, INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First & Peoples Bank and Trust Company | Century Bank of Kentucky, INC. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.18% | 10.02% |
| Equity / Assets | 7.43% | 9.09% |
Profitability
| Metric | First & Peoples Bank and Trust Company | Century Bank of Kentucky, INC. |
|---|---|---|
| Return on Assets (ROA) | -0.53% | 2.07% |
| Return on Equity (ROE) | -7.24% | 23.28% |
| Net Interest Margin (NIM) | 2.75% | 3.90% |
| Yield on Earning Assets | 3.75% | 5.54% |
| Cost of Funds | 1.05% | 1.75% |
Asset quality
| Metric | First & Peoples Bank and Trust Company | Century Bank of Kentucky, INC. |
|---|---|---|
| Texas Ratio | 77.02% | 3.17% |
| Non-Performing Loan Ratio | 17.15% | 0.45% |
| Non-Performing Asset Ratio | 7.32% | 0.31% |
| Net Charge-Off Ratio | -2.53% | 0.00% |
| ACL / Loans | 4.89% | 0.95% |
Balance sheet
| Metric | First & Peoples Bank and Trust Company | Century Bank of Kentucky, INC. |
|---|---|---|
| Total Assets | $209,287K | $204,272K |
| Total Deposits | $193,086K | $185,275K |
| Total Loans | $89,373K | $140,306K |
| Total Equity | $15,545K | $18,578K |
| Net Income (quarter) | $-292 | $1,060K |
Liquidity & funding
| Metric | First & Peoples Bank and Trust Company | Century Bank of Kentucky, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 46.29% | 75.73% |
| Core Deposit Ratio | 95.91% | 95.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First & Peoples Bank and Trust Company | Century Bank of Kentucky, INC. |
|---|---|---|
| Headquarters City | RUSSELL | LAWRENCEBURG |
| Headquarters State | KY | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 49 | 24 |
| Established | Feb. 28, 1932, midnight | July 5, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First & Peoples Bank and Trust Company profile | View full Century Bank of Kentucky, INC. profile | Browse all bank comparisons