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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Taylorsville, KY · FDIC certificate #1566
PEOPLES BANK is an FDIC-insured institution based in Taylorsville, KY (FDIC certificate #1566). In its Q3 2026 Call Report it reported total assets of $143M, total deposits of $132M and net loans of $104M. 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 $145M in Q2 2026 and were lowest at $143M in Q1 2026.
Total deposits were highest at $133M in Q2 2026 and lowest at $131M in Q1 2026.
Over the whole period total assets rose 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $143M | $132M | $104M | 2.12% | 26.42% | 5.07% |
| Q2 2026 | $145M | $133M | $103M | 2.14% | 26.02% | 5.00% |
| Q1 2026 | $143M | $131M | $100M | 1.91% | 23.06% | 4.81% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.0M | $8.8M | -$779K | -8.9% |
| Federal funds sold | $2K | $2K | $0K | 0.0% |
| 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) | $31.1M | $31.6M | -$550K | -1.7% |
| 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) | $102.7M | $100.0M | +$2.7M | +2.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.2M | $1.5M | +$627K | +40.5% |
| 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) | $52K | $59K | -$7K | -11.9% |
| All other assets | $994K | $951K | +$43K | +4.5% |
| Total assets | $145.0M | $142.9M | +$2.0M | +1.4% |
| Liabilities | ||||
| Total deposits | $132.6M | $130.8M | +$1.8M | +1.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $241K | $254K | -$13K | -5.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $423K | $351K | +$72K | +20.5% |
| Total liabilities | $133.3M | $131.4M | +$1.9M | +1.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $9.4M | $9.4M | $0K | 0.0% |
| Retained earnings | $6.6M | $6.6M | +$69K | +1.1% |
| Accumulated other comprehensive income | -$4.5M | -$4.5M | +$64K | +1.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.7M | $11.5M | +$133K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $598K | +$414K | +69.2% |
| Adjusted nonperforming assets | $1.0M | $598K | +$414K | +69.2% |
| Tangible equity plus allowance | $13.0M | $12.9M | +$191K | +1.5% |
| Texas ratio (gross) | 7.76% | 4.65% | +3.11 pts | See points |
| Texas ratio (adjusted) | 7.76% | 4.65% | +3.11 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 11.35% | 7.88% | +3.46 pts | See points |
| Tier 1 capital to risk-weighted assets | 17.46% | 17.82% | -0.36 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 17.46% | 17.82% | -0.36 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 18.72% | 19.08% | -0.36 pts | See points |
| Tier 1 leverage (approximate) | 10.82% | 11.01% | -0.19 pts | See points |
| Construction and land loans to total capital | 121.02% | 136.48% | -15.46 pts | See points |
| Commercial real estate to total capital | 185.94% | 194.68% | -8.74 pts | See points |
| Dividend payout, year to date | 85.87% | 82.09% | +3.78 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -27.63% | -28.15% | +0.52 pts | See points |
| Liquidity | ||||
| Core deposits | $124.6M | $120.6M | +$4.0M | +3.3% |
| Non-core funding | $8.3M | $10.4M | -$2.2M | -20.9% |
| Loans to core deposits | 83.57% | 84.06% | -0.49 pts | See points |
| Loans to deposits | 78.52% | 77.52% | +1.00 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 62.36% | 54.34% | +8.01 pts | See points |
| Loans pledged, share of loans | 7.92% | 8.44% | -0.51 pts | See points |
| Volatile liabilities | $8.3M | $10.4M | -$2.2M | -20.9% |
| Earnings | ||||
| Earnings before provision, year to date | $1.5M | $685K | +$859K | +125.4% |
| Earnings before provision, single quarter | $859K | $685K | +$174K | +25.4% |
| Provision for credit losses, year to date | $30K | $15K | +$15K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.56% | 7.23% | +0.34 pts | See points |
| Yield on interest-bearing balances due from banks | 3.56% | 3.02% | +0.53 pts | See points |
| Total interest income to average assets | 5.92% | 5.60% | +0.32 pts | See points |
| Cost of interest-bearing transaction accounts | 1.94% | 1.94% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.08% | 0.07% | +0.02 pts | See points |
| Cost of time deposits | 3.29% | 3.17% | +0.12 pts | See points |
| Total interest expense to average assets | 1.07% | 1.11% | -0.04 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 | $143M | $132M | $104M | 2.12% | 26.42% | 5.07% |
| 2026-06-30 | $145M | $133M | $103M | 2.14% | 26.02% | 5.00% |
| 2026-03-31 | $143M | $131M | $100M | 1.91% | 23.06% | 4.81% |
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 | $118.1M | 0.10% | 121 | Continuing · +0.00 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.