Peoples Bank of Kentucky, Inc.
BankRegReports is independent of Peoples Bank of Kentucky, Inc. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Peoples Bank of Kentucky, Inc. is an FDIC-insured commercial bank headquartered in Flemingsburg, KY, established in 1906 (FDIC certificate 16970), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $564.9M, up 10.1% from Q2 2025, the 32nd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 16.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16970
- Headquarters
- Flemingsburg, KY
- Established
- 1906
- Total assets, Q2 2026
- $564.9M
- Assets vs Q2 2025
- +10.1%
- CET1 ratio, Q2 2026
- 16.27%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 042102788
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Bank of Kentucky, Inc. call report
- Holding company
- PEOPLES OF FLEMING COUNTY BANCORP, INC.
- Asset rank in state
- 32nd of 120 in Kentucky
Problem loans are rising at Peoples Bank of Kentucky, Inc.. Based in Flemingsburg, Kentucky, it had $565 million in assets at June 30, 2026, up 10.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.20% of loans from 1.87% a year earlier. It carries problem assets equal to 17.0% of the capital and reserves that would absorb them, 6.4 times the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also shrank its loan book 1.0% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $2.7 million, 61% above the same quarter a year earlier. Over the same year, loans shrank 1.0% and deposits grew 10.6%. Funding is the softer spot: it pays an average of 2.31% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Peoples Bank of Kentucky, Inc. reported a CET1 capital ratio of 16.27%, a return on assets of 1.89%, a nonperforming-loan ratio of 3.20% and a Texas ratio of 17.01%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, Peoples Bank of Kentucky, Inc. is the 32nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $564.9M, loans fell 1.4% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.1% of total loans, followed by farmland and other real estate loans at 26.5%. The FDIC Summary of Deposits lists 12 offices for it, in 9 cities in KY; its Flemingsburg 4 offices book 49% of its branch deposits. On its Q2 2026 call report, Peoples Bank of Kentucky, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 106 S Main Cross St, Flemingsburg, KY 41041
- County
- Fleming
- 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 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 6, 1906
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 110
- Domestic deposits
- $489.3M
- Allowance for credit losses
- $12.8M
- Net charge-offs (YTD)
- $269K
- Average total assets
- $568.7M
- Average total loans
- $390.0M
- Average interest-bearing deposits
- $411.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 27, 1950
- FDIC Cert
- 16970
- Fed RSSD
- 995517
- Website
- http://www.peoplesbankofky.com →
- Parent Holding Company
- PEOPLES OF FLEMING COUNTY BANCORP, INC. (RSSD 2356701)
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 of Kentucky, Inc.'s total assets ranged from $481.1M (Q3 2023) to $564.9M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$564.9M total assets against $513.0M; $502.6M total liabilities against $454.4M.
$383.9M net loans and leases against $390.9M; $489.3M total deposits against $442.4M.
$78.2M securities against $57.3M; $75.9M cash and balances due against $36.7M.
$8.0M total interest income against $8.3M; $2.7M total interest expense against $2.6M.
$5.3M net interest income against $5.7M.
$775K total noninterest income against $726K; $3.7M total noninterest expense against $3.8M.
-$900K provision for credit losses against $450K.
$2.7M net income against $1.7M.
1.89% return on assets against 1.31%; 4.08% net interest margin against 4.86%.
16.27% CET1 capital ratio against 14.88%; 11.13% tier 1 leverage ratio against 11.70%.
Inside the full Peoples Bank of Kentucky, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Peoples Bank of Kentucky, Inc. rankings
Its closest position to the top of a national ranking is 243 of 3,640, for Texas Ratio; its furthest is 1,773 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.97% (Q1 2026) to 1.89% (Q2 2026) and its net interest margin ran from 4.08% (Q2 2026) to 5.25% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.27% | 1.89% | 3.20% | 17.01% | 4.08% |
| Q1 2026 | 15.64% | -0.97% | 2.61% | 14.36% | 4.52% |
| Q4 2025 | 15.61% | 1.16% | 2.59% | 14.78% | 4.60% |
| Q3 2025 | 15.25% | 1.42% | 1.89% | 11.08% | 5.25% |
| Q2 2025 | 14.88% | 1.31% | 1.87% | 11.07% | 4.86% |
| Q1 2025 | 14.13% | 1.30% | 1.93% | 11.65% | 4.55% |
| Q4 2024 | 14.57% | 0.95% | 0.93% | 5.68% | 4.81% |
| Q3 2024 | 14.47% | 1.45% | 0.90% | 5.60% | 4.89% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 of Kentucky, Inc. (main office) | Flemingsburg , KY | 41041 | $236.0M |
| Tucker Drive Branch | Maysville , KY | 41056 | $91.0M |
| Slate Avenue Branch | Owingsville , KY | 40360 | $49.8M |
| Cave Run Banking Center Branch | Morehead , KY | 40351 | $36.5M |
| Silver Creek Branch | Mount Sterling , KY | 40353 | $30.3M |
| Tollesboro Branch | Tollesboro , KY | 41189 | $28.4M |
| Bluegrass Branch | Lexington , KY | 40511 | $9.2M |
| Windsor Branch | Flemingsburg , KY | 41041 | $3.2M |
| Mayslick Branch | Mayslick , KY | 41055 | $3.2M |
| Drive-In Branch | Flemingsburg , KY | 41041 | $1.9M |
| Morehead Road Branch | Flemingsburg , KY | 41041 | $4K |
| Hillsboro Branch | Hillsboro , KY | 41049 | $2K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired The Salt Lick Deposit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KY, rank 49 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 240 applications, 184 loans originated, $30.7M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Peoples Bank of Kentucky, Inc.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Peoples Bank of Kentucky, Inc.
What are Peoples Bank of Kentucky, Inc.'s total assets?
As of the Q2 2026 filing, Peoples Bank of Kentucky, Inc. reported total assets of $564.9 million in its FFIEC call report.
Where is Peoples Bank of Kentucky, Inc. headquartered?
It is headquartered in Flemingsburg, KY, United States.
When was Peoples Bank of Kentucky, Inc. founded?
It was established in 1906, per the FDIC institution directory.
Is Peoples Bank of Kentucky, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16970). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank of Kentucky, Inc.?
Peoples Bank of Kentucky, Inc.'s primary federal regulator is the FDIC.
What is Peoples Bank of Kentucky, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Bank of Kentucky, Inc. operate?
It operates 12 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 of Kentucky, Inc.'s Texas Ratio?
Its Texas Ratio is 17.01% 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.
Go deeper on Peoples Bank of Kentucky, Inc.
Get an email when Peoples Bank of Kentucky, Inc. files its next call report, and benchmark it against any peer you choose.
Unlock Peoples Bank of Kentucky, Inc., freeFree account