Peoples Bank Mt Washington
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank Mt Washington is an FDIC-insured commercial bank headquartered in Mount Washington, KY, established in 1909 (FDIC certificate 5847), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $120.0M, down 2.5% from Q2 2025, the 102nd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 12.93% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5847
- Headquarters
- Mount Washington, KY
- Established
- 1909
- Total assets, Q2 2026
- $120.0M
- Assets vs Q2 2025
- -2.5%
- CET1 ratio, Q2 2026
- 12.93%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 083905630
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank Mt Washington call report
- Holding company
- CROSSROADS BANCORP, INC.
- Asset rank in state
- 102nd of 120 in Kentucky
Peoples Bank Mt Washington earns an unusually wide margin on its lending. Based in Mount Washington, Kentucky, it had $120 million in assets at June 30, 2026, down 2.5% from a year earlier. It keeps 5.04 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.64% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 12.3% and deposits fell 3.7%. Its $13 million non-owner-occupied commercial real estate book is now fully current, after 7.07% of it was past due or on nonaccrual a year earlier. Credit is the area to watch: it carries problem assets equal to 9.4% of the capital and reserves that would absorb them, 3.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Peoples Bank Mt Washington reported a CET1 capital ratio of 12.93%, a return on assets of 1.55%, a nonperforming-loan ratio of 1.17% and a Texas ratio of 9.42%. The figures come from its call report filed with the FFIEC.
Peoples Bank Mt Washington ranks as the 102nd largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $120.0M, loans rose 3.4% and deposits fell 0.6%. 1-4 family residential loans made up 34.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 14.4%. Its 2 offices in the FDIC Summary of Deposits are in Mount Washington, KY. Judged on its Q2 2026 call report, Peoples Bank Mt Washington meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N Bardstown Rd, Mount Washington, KY 40047
- County
- Bullitt
- Metro Area
- Louisville-Jefferson County, KY-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $109.6M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $124.3M
- Average total loans
- $86.6M
- Average interest-bearing deposits
- $65.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5847
- Fed RSSD
- 271341
- Website
- www.peoplesbankmtw.com →
- Parent Holding Company
- CROSSROADS BANCORP, INC. (RSSD 1099999)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Peoples Bank Mt Washington's total assets ranged from $106.5M (Q3 2023) to $123.1M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$120.0M total assets against $123.1M; $110.2M total liabilities against $114.4M.
$86.9M net loans and leases against $77.5M; $109.6M total deposits against $113.8M.
$23.6M securities against $25.5M; $4.8M cash and balances due against $15.5M.
$1.7M total interest income against $1.6M; $177K total interest expense against $202K.
$1.5M net interest income against $1.4M.
$215K total noninterest income against $187K; $1.1M total noninterest expense against $1.1M.
$150K provision for credit losses against $30K.
$481K net income against $470K.
1.55% return on assets against 1.52%; 5.04% net interest margin against 4.63%.
12.93% CET1 capital ratio against 13.73%; 10.59% tier 1 leverage ratio against 10.28%.
Inside the full Peoples Bank Mt Washington terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Bank Mt Washington rankings
Its closest position to the top of a national ranking is 692 of 3,640, for Texas Ratio; its furthest is 3,516 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.39% (Q4 2024) to 2.02% (Q3 2025) and its net interest margin ran from 4.57% (Q3 2024) to 5.10% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.93% | 1.55% | 1.17% | 9.42% | 5.04% |
| Q1 2026 | 13.22% | 1.87% | 1.21% | 9.67% | 4.87% |
| Q4 2025 | 13.68% | 1.71% | 0.12% | 0.89% | 5.01% |
| Q3 2025 | 14.17% | 2.02% | 0.00% | 0.00% | 5.10% |
| Q2 2025 | 13.73% | 1.52% | 1.32% | 10.71% | 4.63% |
| Q1 2025 | 14.14% | 1.61% | 1.41% | 11.27% | 4.63% |
| Q4 2024 | 13.70% | 1.39% | 1.46% | 12.47% | 4.64% |
| Q3 2024 | 14.25% | 1.79% | 0.00% | 0.00% | 4.57% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank, Mt. Washington | Mount Washington , KY | 40047 | $109.6M |
| Mount Washington Drive in Branch | Mount Washington , KY | 40047 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 121 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 34 applications, 28 loans originated, $8.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples Bank Mt Washington
What are Peoples Bank Mt Washington's total assets?
As of the Q2 2026 filing, Peoples Bank Mt Washington reported total assets of $120.0 million in its FFIEC call report.
Where is Peoples Bank Mt Washington headquartered?
It is headquartered in Mount Washington, KY, United States.
When was Peoples Bank Mt Washington founded?
It was established in 1909, per the FDIC institution directory.
Is Peoples Bank Mt Washington FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank Mt Washington?
Peoples Bank Mt Washington's primary federal regulator is the FDIC.
What is Peoples Bank Mt Washington's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples Bank Mt Washington operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank Mt Washington's Texas Ratio?
Its Texas Ratio is 9.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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