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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Winchester, KY · FDIC certificate #8785
PEOPLES EXCHANGE BANK is an FDIC-insured institution based in Winchester, KY (FDIC certificate #8785). In its Q3 2026 Call Report it reported total assets of $657M, total deposits of $558M and net loans of $546M. Its primary federal regulator is FDIC.
Reported facts
PEOPLES EXCHANGE BANK (FDIC certificate #8785) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $657M |
|---|---|
| Total deposits | $558M |
| Net loans and leases | $546M |
| Return on assets | 1.29% |
| Return on equity | 13.89% |
| Net interest margin | 4.24% |
| Quarterly asset change | 7.66% |
| Quarterly deposit change | 6.83% |
Plain-language readout
PEOPLES EXCHANGE BANK in Winchester, KY reported total assets of $657M, total deposits of $558M and net loans of $546M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.29%, a return on equity of 13.89%, a net interest margin of 4.24%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $657M | $558M | $546M | 1.29% | 13.89% | 4.24% |
| Q2 2026 | $610M | $523M | $512M | 1.26% | 13.53% | 4.20% |
| Q1 2026 | $627M | $540M | $501M | 1.22% | 13.30% | 4.05% |
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