The Peoples Bank (Marion, KY)
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank is an FDIC-insured commercial bank headquartered in Marion, KY, established in 1946 (FDIC certificate 16603), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $135.3M, down 2.3% from Q2 2025, the 100th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16603
- Headquarters
- Marion, KY
- Established
- 1946
- Total assets, Q2 2026
- $135.3M
- Assets vs Q2 2025
- -2.3%
- Tier 1 leverage ratio, Q2 2026
- 11.55%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 083907955
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Bank call report
- Holding company
- PEOPLES-MARION BANCORP, INC.
- Asset rank in state
- 100th of 120 in Kentucky
The Peoples Bank, based in Marion, Kentucky, reported $135 million in assets at June 30, 2026, down 2.3% from a year earlier. It lost 3.4% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also pays an average of 2.50% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $387,000, 36% above the same quarter a year earlier. Over the same year, loans grew 7.4% and deposits shrank 3.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Peoples Bank reported a return on assets of 1.15%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 3.65%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, The Peoples Bank is the 100th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $135.3M, loans rose 4.8% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 33.3% of total loans, followed by farmland and other real estate loans at 14.6%. The FDIC Summary of Deposits lists 4 offices for it, in Glasgow, KY, Marion, KY and Cave City, KY; its Glasgow office books 52% of its branch deposits. Judged on its Q2 2026 call report, The Peoples Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 116 S Main St, Marion, KY 42064
- County
- Crittenden
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1946
- Former names
- The Peoples Bank (1974)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $119.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $67K
- Average total assets
- $134.3M
- Average total loans
- $107.3M
- Average interest-bearing deposits
- $104.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 25, 1947
- FDIC Cert
- 16603
- Fed RSSD
- 446149
- Website
- www.thepeoplesbank-ky.com →
- Parent Holding Company
- PEOPLES-MARION BANCORP, INC. (RSSD 2574886)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Peoples Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Peoples Bank's total assets ran between $126.1M (Q1 2024) and $138.5M (Q2 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$135.3M total assets against $138.5M; $120.0M total liabilities against $124.3M.
$109.2M net loans and leases against $101.5M; $119.4M total deposits against $123.7M.
$4.7M securities against $4.7M; $12.6M cash and balances due against $23.4M.
$2.0M total interest income against $2.1M; $746K total interest expense against $843K.
$1.3M net interest income against $1.3M.
$173K total noninterest income against $137K; $1.0M total noninterest expense against $976K.
$45K provision for credit losses against $71K.
$387K net income against $285K.
1.15% return on assets against 0.83%; 4.11% net interest margin against 3.95%.
11.55% tier 1 leverage ratio against 10.55%.
Inside the full The Peoples Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Peoples Bank rankings
Its closest position to the top of a national ranking is 1,670 of 3,640, for Texas Ratio; its furthest is 3,410 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.53% (Q4 2024) to 1.15% (Q2 2026) and its net interest margin ran from 3.82% (Q4 2024) to 4.11% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.55% | 1.15% | 0.23% | 3.65% | 4.11% |
| Q1 2026 | 11.27% | 0.59% | 0.22% | 3.55% | 3.96% |
| Q4 2025 | 11.43% | 0.53% | 0.32% | 4.79% | 4.05% |
| Q3 2025 | 11.02% | 0.99% | 0.33% | 4.94% | 3.90% |
| Q2 2025 | 10.55% | 0.83% | 0.33% | 5.41% | 3.95% |
| Q1 2025 | 10.60% | 0.52% | 0.33% | 4.55% | 3.99% |
| Q4 2024 | 10.79% | -0.53% | 2.19% | 15.38% | 3.82% |
| Q3 2024 | 10.97% | 1.04% | 2.71% | 18.13% | 3.93% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The Peoples Bank Glasgow Sales Center | Glasgow , KY | 42141 | $61.7M |
| The Peoples Bank | Marion , KY | 42064 | $39.8M |
| Cave City Branch | Cave City , KY | 42127 | $17.9M |
| Marion Drive Thru Sales Center | Marion , KY | 42064 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, PEOPLES-MARION BANCORP, INC., not the bank itself
- January 22, 2024, Federal Reserve: Written Agreement: Peoples-Marion Bancorp, Inc., Marion, Kentucky and The Peoples Bank, Marion, Kentucky
- Period: Most recent institution action January 22, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KY, rank 119 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 The Peoples Bank
What are The Peoples Bank's total assets?
As of the Q2 2026 filing, The Peoples Bank reported total assets of $135.3 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Marion, KY, United States.
When was The Peoples Bank founded?
It was established in 1946, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples Bank?
The Peoples Bank's primary federal regulator is the Federal Reserve.
How many branches does The Peoples Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples Bank's Texas Ratio?
Its Texas Ratio is 3.65% 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.
What was The Peoples Bank previously called?
The charter now named The Peoples Bank has also operated as The Peoples Bank (1974), per FDIC structure-change records.
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