Peoples Bank of Kentucky, Inc.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 29.46 percentage points lower than in Q1 2026, at 99.15%. Peoples Bank of Kentucky, Inc. ranks 21st of 119 Kentucky banks on return on assets, in the upper half at 1.89% (Q2 2026). Peoples Bank of Kentucky, Inc.'s return on assets of 1.89% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.63 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.27% |
| Tier 1 risk-based capital ratio | 16.27% |
| Total risk-based capital ratio | 17.54% |
| Tier 1 leverage ratio | 11.13% |
| Equity capital to assets | 11.03% |
| Tangible equity to tangible assets | 10.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.25% |
| Non-performing assets ratio | 2.28% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 17.28% |
| Allowance for credit losses to loans | 3.22% |
| Reserve coverage of non-performing loans | 99.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 17.55% |
| Net interest margin | 4.08% |
| Efficiency ratio | 59.58% |
| Yield on earning assets | 6.15% |
| Cost of funds | 2.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.07% |
| Core deposits to total deposits | 90.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.62% |
| Securities to assets | 13.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 10.76% | 1.42% |
| Q4 2023 | 13.26% | 13.26% | 14.52% | 10.53% | 1.19% |
| Q1 2024 | 13.76% | 13.76% | 15.02% | 10.71% | 1.43% |
| Q2 2024 | 14.00% | 14.00% | 15.27% | 10.91% | 1.36% |
| Q3 2024 | 14.47% | 14.47% | 15.73% | 11.09% | 1.45% |
| Q4 2024 | 14.57% | 14.57% | 15.83% | 11.31% | 0.95% |
| Q1 2025 | 14.13% | 14.13% | 15.39% | 11.70% | 1.30% |
| Q2 2025 | 14.88% | 14.88% | 16.15% | 11.70% | 1.31% |
| Q3 2025 | 15.25% | 15.25% | 16.52% | 12.08% | 1.42% |
| Q4 2025 | 15.61% | 15.61% | 16.88% | 11.43% | 1.16% |
| Q1 2026 | 15.64% | 15.64% | 16.92% | 11.30% | -0.97% |
| Q2 2026 | 16.27% | 16.27% | 17.54% | 11.13% | 1.89% |
Peoples Bank of Kentucky, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Kentucky, Inc., 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 Peoples Bank of Kentucky, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16970) · FFIEC NIC profile (RSSD 995517)