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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Flemingsburg, KY · FDIC certificate #16970
PEOPLES BANK OF KENTUCKY INC is an FDIC-insured institution based in Flemingsburg, KY (FDIC certificate #16970). In its Q3 2026 Call Report it reported total assets of $562M, total deposits of $487M and net loans of $385M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLES BANK OF KENTUCKY INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $565M in Q2 2026 and were lowest at $558M in Q1 2026.
Total deposits were highest at $489M in Q2 2026 and lowest at $486M in Q1 2026.
Over the whole period total assets rose 0.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $562M | $487M | $385M | 0.63% | 5.75% | 4.34% |
| Q2 2026 | $565M | $489M | $384M | 0.49% | 4.47% | 4.27% |
| Q1 2026 | $558M | $486M | $389M | -0.95% | -8.60% | 4.49% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $75.4M | $71.0M | +$4.5M | +6.3% |
| Federal funds sold | $500K | $500K | $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) | $78.2M | $70.7M | +$7.5M | +10.5% |
| 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) | $383.9M | $388.7M | -$4.8M | -1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.1M | $7.2M | -$70K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $9K | $0K | +$9K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $458K | $535K | -$77K | -14.4% |
| All other assets | $19.3M | $18.9M | +$403K | +2.1% |
| Total assets | $564.9M | $557.6M | +$7.3M | +1.3% |
| Liabilities | ||||
| Total deposits | $489.3M | $486.0M | +$3.3M | +0.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $9.4M | $7.9M | +$1.5M | +18.6% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.9M | $3.6M | +$251K | +7.0% |
| Total liabilities | $502.6M | $497.6M | +$5.0M | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $800K | $800K | $0K | 0.0% |
| Surplus | $4.2M | $4.2M | $0K | 0.0% |
| Retained earnings | $58.7M | $56.4M | +$2.3M | +4.1% |
| Accumulated other comprehensive income | -$1.4M | -$1.4M | -$23K | -1.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $62.3M | $60.0M | +$2.3M | +3.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $12.7M | $10.5M | +$2.2M | +20.8% |
| Adjusted nonperforming assets | $12.7M | $10.5M | +$2.2M | +20.8% |
| Tangible equity plus allowance | $74.6M | $73.2M | +$1.5M | +2.0% |
| Texas ratio (gross) | 17.01% | 14.36% | +2.65 pts | See points |
| Texas ratio (adjusted) | 17.01% | 14.36% | +2.65 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 17.28% | 14.39% | +2.88 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.27% | 15.64% | +0.63 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.27% | 15.64% | +0.63 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.28% | 1.28% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.54% | 16.92% | +0.62 pts | See points |
| Tier 1 leverage (approximate) | 11.13% | 11.30% | -0.17 pts | See points |
| Construction and land loans to total capital | 21.18% | 19.72% | +1.45 pts | See points |
| Commercial real estate to total capital | 100.83% | 99.37% | +1.45 pts | See points |
| Dividend payout, year to date | 25.80% | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.01% | -3.08% | +0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $441.1M | $441.1M | -$47K | -0.0% |
| Non-core funding | $57.7M | $52.8M | +$4.8M | +9.1% |
| Loans to core deposits | 89.93% | 91.23% | -1.30 pts | See points |
| Loans to deposits | 81.07% | 82.80% | -1.74 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | -0.00 pts | See points |
| Pledged securities share of securities | 56.44% | 62.80% | -6.36 pts | See points |
| Loans pledged, share of loans | 22.63% | 21.83% | +0.80 pts | See points |
| Volatile liabilities | $57.7M | $52.8M | +$4.8M | +9.1% |
| Earnings | ||||
| Earnings before provision, year to date | $5.3M | $3.0M | +$2.4M | +79.5% |
| Earnings before provision, single quarter | $2.4M | $3.0M | -$612K | -20.5% |
| Provision for credit losses, year to date | $2.7M | $3.6M | -$900K | -24.9% |
| Yield and cost | ||||
| Yield on loans and leases | 6.73% | 7.37% | -0.64 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.09% | +0.61 pts | See points |
| Total interest income to average assets | 5.63% | 6.27% | -0.63 pts | See points |
| Cost of interest-bearing transaction accounts | 1.58% | 1.63% | -0.04 pts | See points |
| Cost of savings and money market deposits | 0.50% | 0.49% | +0.01 pts | See points |
| Cost of time deposits | 3.60% | 3.74% | -0.14 pts | See points |
| Total interest expense to average assets | 1.91% | 1.99% | -0.09 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 | $562M | $487M | $385M | 0.63% | 5.75% | 4.34% |
| 2026-06-30 | $565M | $489M | $384M | 0.49% | 4.47% | 4.27% |
| 2026-03-31 | $558M | $486M | $389M | -0.95% | -8.60% | 4.49% |
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 | $442.4M | 0.36% | 51 | 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.