The Peoples Bank (Taylorsville, 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 Taylorsville, KY, established in 1903 (FDIC certificate 1566), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $145.0M, up 12.1% from Q2 2025, the 97th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 17.46% 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
- 1566
- Headquarters
- Taylorsville, KY
- Established
- 1903
- Total assets, Q2 2026
- $145.0M
- Assets vs Q2 2025
- +12.1%
- CET1 ratio, Q2 2026
- 17.46%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 083903690
- Holding company
- LAKE VALLEY BANCORP, INC.
- Asset rank in state
- 97th of 120 in Kentucky
The Peoples Bank is one of the more profitable banks of its size. Based in Taylorsville, Kentucky, it had $145 million in assets at June 30, 2026, up 12.1% from a year earlier. It earns about $2.27 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 4.97 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Loans are outrunning deposits: over the year loans rose 19.4% and deposits rose 12.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.5 million equal 28% of Tier 1 capital, down from 33% a year earlier. Credit is the area to watch: it carries problem assets equal to 7.7% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, The Peoples Bank reported a CET1 capital ratio of 17.46%, a return on assets of 2.27%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 7.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Peoples Bank is the 97th largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $145.0M, loans rose 2.7% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 56.3% of total loans, followed by construction and land development loans at 20.1%. The FDIC Summary of Deposits lists 2 offices for it, in Taylorsville, KY and Fisherville, KY; its Taylorsville office books 84% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 23 W Main St, Taylorsville, KY 40071
- County
- Spencer
- 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
- February 3, 1903
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $132.6M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $149.0M
- Average total loans
- $102.5M
- Average interest-bearing deposits
- $80.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1566
- Fed RSSD
- 76443
- Website
- www.tpbtaylorsville.com →
- Parent Holding Company
- LAKE VALLEY BANCORP, INC. (RSSD 1119253)
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
The Peoples Bank's total assets moved between a low of $119.0M (Q3 2024) and a high of $145.0M (Q2 2026) from Q3 2023 to Q2 2026, 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
$145.0M total assets against $129.4M; $133.3M total liabilities against $118.8M.
$102.7M net loans and leases against $85.9M; $132.6M total deposits against $118.1M.
$31.1M securities against $32.8M; $8.0M cash and balances due against $8.5M.
$2.2M total interest income against $2.0M; $398K total interest expense against $393K.
$1.8M net interest income against $1.6M.
$149K total noninterest income against $139K; $1.1M total noninterest expense against $1.0M.
$15K provision for credit losses against $15K.
$844K net income against $701K.
2.27% return on assets against 2.05%; 4.97% net interest margin against 4.73%.
17.46% CET1 capital ratio against 18.84%; 10.82% tier 1 leverage ratio against 11.57%.
Inside the full The Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples Bank rankings
Its closest position to the top of a national ranking is 262 of 3,611, for ROA; its furthest is 3,332 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.63% (Q4 2024) to 2.27% (Q2 2026) and its net interest margin ran from 4.33% (Q1 2025) to 4.97% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.46% | 2.27% | 0.97% | 7.73% | 4.97% |
| Q1 2026 | 17.82% | 1.84% | 0.59% | 4.63% | 4.60% |
| Q4 2025 | 18.25% | 1.92% | 0.57% | 4.18% | 4.94% |
| Q3 2025 | 19.20% | 2.11% | 0.65% | 4.49% | 4.97% |
| Q2 2025 | 18.84% | 2.05% | 0.69% | 5.08% | 4.73% |
| Q1 2025 | 19.47% | 1.70% | 0.84% | 6.08% | 4.33% |
| Q4 2024 | 20.68% | 1.63% | 0.96% | 6.83% | 4.43% |
| Q3 2024 | 21.56% | 1.75% | 0.66% | 4.03% | 4.71% |
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 |
|---|---|---|---|
| The Peoples Bank | Taylorsville , KY | 40071 | $111.4M |
| Elk Creek Branch | Fisherville , KY | 40023 | $21.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 117 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 95 applications, 76 loans originated, $22.4M originated, across 1 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
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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 $145.0 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Taylorsville, KY, United States.
When was The Peoples Bank founded?
It was established in 1903, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1566). 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 FDIC.
What is The Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Peoples Bank 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 The Peoples Bank's Texas Ratio?
Its Texas Ratio is 7.73% 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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