First & Peoples Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Net charge-off ratio climbed 5.05 percentage points in Q2 2026, from -2.53% to 2.52%. It was the largest change from Q1 2026 among the key lines here. On return on assets, First & Peoples Bank and Trust Company is 2nd from the bottom among 119 Kentucky banks, -0.38% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, First & Peoples Bank and Trust Company reported -0.38% on return on assets in Q2 2026, 1.63 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.05% |
| Equity capital to assets | 7.66% |
| Tangible equity to tangible assets | 7.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 15.30% |
| Non-performing assets ratio | 6.75% |
| Net charge-off ratio | 2.52% |
| Texas ratio | 70.76% |
| Allowance for credit losses to loans | 4.26% |
| Reserve coverage of non-performing loans | 27.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.38% |
| Return on equity | -5.30% |
| Net interest margin | 2.87% |
| Efficiency ratio | 103.89% |
| Yield on earning assets | 3.89% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.98% |
| Core deposits to total deposits | 95.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.01% |
| Securities to assets | 43.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.43% | -2.33% | 2.88% | 16.23% | 2.90% |
| Q4 2023 | 9.90% | 1.18% | 2.02% | 23.88% | 1.72% |
| Q1 2024 | 9.84% | -0.77% | 2.50% | 23.22% | 3.61% |
| Q2 2024 | 9.99% | -0.30% | 2.53% | 23.13% | 1.70% |
| Q3 2024 | 9.85% | -1.75% | 1.80% | 23.39% | 2.08% |
| Q4 2024 | 9.90% | 0.49% | 2.24% | 23.35% | 4.30% |
| Q1 2025 | 9.07% | -2.39% | 2.29% | 21.68% | 7.68% |
| Q2 2025 | 9.07% | -0.42% | 2.45% | 20.88% | 0.82% |
| Q3 2025 | 9.07% | -0.84% | 2.55% | 19.01% | 3.12% |
| Q4 2025 | 9.31% | 1.18% | 2.79% | 17.93% | -0.56% |
| Q1 2026 | 9.18% | -0.53% | 2.75% | 17.15% | -2.53% |
| Q2 2026 | 9.05% | -0.38% | 2.87% | 15.30% | 2.52% |
First & Peoples Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First & Peoples Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First & Peoples Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8122) · FFIEC NIC profile (RSSD 391418)