First & Peoples Bank and Trust Company
Asset quality shifted last quarter — NPLs fell to 17.15% from 17.93% in the prior period. First & Peoples Bank and Trust Company is the primary bank subsidiary of its parent holding company, headquartered in Russell, KY. First & Peoples Bank and Trust Company's Q1 2026 balance sheet shows $209M in assets funded primarily by $193M in customer deposits. Earnings turned negative this period, with ROA at -0.53%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.18% exceeds the 9% CBLR threshold. Asset quality is impaired, with nonperforming loans at 17.15%. 4 branches make up the footprint.
Headquarters Profile
- Address
- 1001 Diederich Blvd, RUSSELL, KY 41169
- County
- Greenup
- Metro Area
- HUNTINGTON-ASHLAND, WV-KY-OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- February 28, 1932
- Branches
- 4 domestic
- Employees (FTE)
- 49
- FDIC Cert
- 8122
- Fed RSSD
- 391418
- Parent Holding Company
- FIRST & PEOPLES BANCSHARES, INC. (RSSD 1363935)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring — not yet at the historical failure-risk threshold.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
First & Peoples Bank and Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First & Peoples Bank and Trust Company
What are First & Peoples Bank and Trust Company's total assets?
As of the Q1 2026 filing, First & Peoples Bank and Trust Company reported total assets of $209.3 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First & Peoples Bank and Trust Company headquartered?
First & Peoples Bank and Trust Company is headquartered in RUSSELL, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First & Peoples Bank and Trust Company founded?
First & Peoples Bank and Trust Company was established in 1932, per the FDIC institution directory.
Is First & Peoples Bank and Trust Company FDIC-insured?
Yes. First & Peoples Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #8122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First & Peoples Bank and Trust Company?
First & Peoples Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First & Peoples Bank and Trust Company operate?
First & Peoples Bank and Trust Company operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First & Peoples Bank and Trust Company's Texas Ratio?
First & Peoples Bank and Trust Company's Texas Ratio is 77.02% — elevated — credit issues exceed half of the bank's capital cushion (50–100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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