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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lebanon, KY · FDIC certificate #1562
PEOPLES BANK is an FDIC-insured institution based in Lebanon, KY (FDIC certificate #1562). In its Q3 2026 Call Report it reported total assets of $189M, total deposits of $164M and net loans of $160M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLES BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $195M in Q1 2026 and were lowest at $189M in Q3 2026.
Total deposits were highest at $173M in Q2 2026 and lowest at $164M in Q3 2026.
Over the whole period total assets fell 3.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $189M | $164M | $160M | 0.91% | 11.84% | 4.19% |
| Q2 2026 | $194M | $173M | $162M | 1.06% | 13.69% | 4.13% |
| Q1 2026 | $195M | $169M | $162M | 1.01% | 13.12% | 4.07% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.8M | $5.9M | -$131K | -2.2% |
| Federal funds sold | $0K | $1.4M | -$1.4M | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $21.9M | $21.8M | +$105K | +0.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $161.7M | $161.9M | -$187K | -0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.2M | $1.2M | +$4K | +0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.1M | $3.0M | +$110K | +3.7% |
| Total assets | $193.7M | $195.3M | -$1.5M | -0.8% |
| Liabilities | ||||
| Total deposits | $173.3M | $169.0M | +$4.3M | +2.5% |
| Federal funds purchased | $3.2M | $0K | +$3.2M | n/a |
| Securities sold under agreements to repurchase | $499K | $1.0M | -$512K | -50.6% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $6.0M | -$6.0M | -100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.5M | $4.5M | -$3.0M | -66.2% |
| Total liabilities | $178.5M | $180.5M | -$2.0M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $15.3M | $15.3M | $0K | 0.0% |
| Retained earnings | $2.8M | $2.6M | +$237K | +9.1% |
| Accumulated other comprehensive income | -$2.9M | -$3.2M | +$284K | +8.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $15.3M | $14.7M | +$521K | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.2M | $1.1M | +$3.0M | +273.9% |
| Adjusted nonperforming assets | $4.2M | $1.1M | +$3.0M | +273.9% |
| Tangible equity plus allowance | $16.7M | $16.1M | +$596K | +3.7% |
| Texas ratio (gross) | 24.96% | 6.92% | +18.04 pts | See points |
| Texas ratio (adjusted) | 24.96% | 6.92% | +18.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 24.96% | 6.92% | +18.04 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.24% | 9.38% | -0.14 pts | See points |
| Construction and land loans to total capital | 35.26% | 29.37% | +5.89 pts | See points |
| Commercial real estate to total capital | 297.00% | 287.60% | +9.40 pts | See points |
| Dividend payout, year to date | 29.53% | 0.00% | +29.53 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -21.47% | -23.85% | +2.38 pts | See points |
| Liquidity | ||||
| Core deposits | $141.5M | $133.8M | +$7.7M | +5.7% |
| Non-core funding | $35.5M | $42.2M | -$6.7M | -16.0% |
| Loans to core deposits | 115.29% | 121.99% | -6.70 pts | See points |
| Loans to deposits | 94.13% | 96.59% | -2.46 pts | See points |
| Brokered deposits share of deposits | 10.39% | 10.65% | -0.26 pts | See points |
| Pledged securities share of securities | 29.39% | 29.15% | +0.24 pts | See points |
| Loans pledged, share of loans | 21.37% | 22.39% | -1.02 pts | See points |
| Volatile liabilities | $35.5M | $42.2M | -$6.7M | -16.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.5M | $697K | +$760K | +109.0% |
| Earnings before provision, single quarter | $760K | $697K | +$63K | +9.0% |
| Provision for credit losses, year to date | $150K | $75K | +$75K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.90% | 6.65% | +0.25 pts | See points |
| Yield on interest-bearing balances due from banks | -0.24% | 0.09% | -0.33 pts | See points |
| Total interest income to average assets | 6.05% | 6.00% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 2.15% | 2.25% | -0.11 pts | See points |
| Cost of savings and money market deposits | 1.45% | 1.43% | +0.02 pts | See points |
| Cost of time deposits | 3.99% | 4.13% | -0.14 pts | See points |
| Total interest expense to average assets | 2.06% | 2.06% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $189M | $164M | $160M | 0.91% | 11.84% | 4.19% |
| 2026-06-30 | $194M | $173M | $162M | 1.06% | 13.69% | 4.13% |
| 2026-03-31 | $195M | $169M | $162M | 1.01% | 13.12% | 4.07% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $165.8M | 0.14% | 105 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.