Bank Safety Analysis
Is First & Peoples Bank and Trust Company Safe?
First & Peoples Bank and Trust Company shows stress on 2 of 5 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in noncurrent loans to total loans: 1.85 percentage points lower than in Q1 2026, at 15.30%. First & Peoples Bank and Trust Company ranks 105th of 120 Kentucky banks on leverage ratio, in the lower half at 9.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 10.92% on leverage ratio. First & Peoples Bank and Trust Company sits 1.87 points lower, at 9.05% (Q2 2026). From Q3 2023 to Q2 2026, First & Peoples Bank and Trust Company's Texas ratio ranged between 70.76% (Q2 2026) and 128.24% (Q1 2024). Compared with Q2 2025, First & Peoples Bank and Trust Company's noncurrent loans to total loans from 20.88% to 15.30%, Texas ratio from 114.90% to 70.76%, return on assets from -0.42% to -0.38% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.05% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.05% is above the 5% well-capitalized threshold.
Nonperforming loans at 15.30% are at a stress-band level above 3%.
Texas Ratio of 70.8% is elevated but below the 100% failure threshold.
Efficiency ratio of 103.9% suggests significant cost-to-revenue challenges.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 70.76% | Watch at 50%, concern at 100% | Flagged |
| Non-performing loan ratio BankRegReports band | 15.30% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 47.98% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 48.83% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 70.76% |
| Q1 2026 | 77.02% |
| Q4 2025 | 78.94% |
| Q3 2025 | 95.96% |
| Q2 2025 | 114.90% |
| Q1 2025 | 117.25% |
| Q4 2024 | 120.85% |
| Q3 2024 | 117.60% |
| Q2 2024 | 127.26% |
| Q1 2024 | 128.24% |
| Q4 2023 | 122.09% |
| Q3 2023 | 123.18% |
First & Peoples Bank and Trust Company by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 15.30% | 70.76% | -0.38% |
| Mar 31, 2026 | — | 17.15% | 77.02% | -0.53% |
| Dec 31, 2025 | — | 17.93% | 78.94% | 1.18% |
| Sep 30, 2025 | — | 19.01% | 95.96% | -0.84% |
| Jun 30, 2025 | — | 20.88% | 114.90% | -0.42% |
| Mar 31, 2025 | — | 21.68% | 117.25% | -2.39% |
| Dec 31, 2024 | — | 23.35% | 120.85% | 0.49% |
| Sep 30, 2024 | — | 23.39% | 117.60% | -1.75% |
| Jun 30, 2024 | — | 23.13% | 127.26% | -0.30% |
| Mar 31, 2024 | — | 23.22% | 128.24% | -0.77% |
| Dec 31, 2023 | — | 23.88% | 122.09% | 1.18% |
| Sep 30, 2023 | — | 16.23% | 123.18% | -2.33% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
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). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is First & Peoples Bank and Trust Company well capitalized?
Yes. First & Peoples Bank and Trust Company reports a Community Bank Leverage Ratio of 9.05%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is First & Peoples Bank and Trust Company's nonperforming loan ratio?
As of the most recent call report, First & Peoples Bank and Trust Company's nonperforming loan ratio is 15.30%. Nonperforming loans at 15.30% are at a stress-band level above 3%.
What is First & Peoples Bank and Trust Company's Texas Ratio?
First & Peoples Bank and Trust Company's Texas Ratio is 70.76%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 8122) · FFIEC NIC profile (RSSD 391418)
Explore: Full First & Peoples Bank and Trust Company profile · Other banks in KY · Metric glossary · How the call report works