Peoples Bank of Kentucky, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of Kentucky, Inc. of Flemingsburg, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.89% | 1.34% | +0.55% | 81st top |
| ROAE | 17.55% | 13.31% | +4.24% | 78th top |
| Net Interest Margin | 4.08% | 3.93% | +0.15% | 58th above |
| Efficiency Ratio | 59.58% | 61.14% | -1.56% | 56th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.67% | 1.68% | -0.01% | 55th above |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 2.31% | 1.88% | +0.43% | 21st bottom |
| Net Interest Spread | 3.72% | 3.32% | +0.40% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.25% | 0.94% | +2.31% | 5th bottom |
| NPA / Total Assets | 2.28% | 0.70% | +1.58% | 6th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.16% | -0.13% | 31st below |
| ACL / Total Loans | 3.22% | 1.28% | +1.94% | 99th top |
| ACL / NPLs (Coverage) | 99.15% | 1539.53% | -1440.38% | 27th below |
| Texas Ratio | 17.28% | 7.33% | +9.95% | 10th bottom |
| Provision / NCO | 1009.67% | 1395.81% | -386.14% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.27% | 19.50% | -3.23% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.27% | 19.54% | -3.27% | 59th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.54% | 20.62% | -3.08% | 60th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.13% | 12.14% | -1.01% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.03% | 11.37% | -0.34% | 60th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.96% | 11.09% | -0.13% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.07% | 80.64% | +0.43% | 49th below |
| Core Deposit Ratio | 90.14% | 86.86% | +3.28% | 55th above |
| Wholesale Funding Ratio | 1.67% | 5.04% | -3.37% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.12% | 6.85% | +3.27% | 83rd top |
| Loan Growth (Y/Y) | -1.04% | 7.91% | -8.95% | 19th bottom |
| Deposit Growth (Y/Y) | 10.60% | 6.29% | +4.31% | 84th top |
See Peoples Bank of Kentucky, Inc.'s peers by name
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Unlock Peoples Bank of Kentucky, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples Bank of Kentucky, Inc. profile, how to read a UBPR, or how this data updates.