Peoples Bank, The
Taylorsville, KY · Cert 1566 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lake Valley Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$145.0MAssets
$104.1MLoans
$132.6MDeposits
$11.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks under $1B in assets operating in a single state (rank 28 of 746).
- Widest gap: equity / assets trails 86% of banks under $1B in assets operating in a single state (rank 645 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 125 of 746
Net Interest Margin
4.62%
Rank 73 of 746
Efficiency Ratio
58.62%
Rank 256 of 746
Equity / Assets
8.05%
Rank 645 of 746
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 66% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.72% | 1.06% | 1.45% | Beats 83% | 125 / 746 | | |
| Return on Equity | 20.37% | 6.74% | 10.51% | 13.63% | Beats 96% | 28 / 746 | | |
| Net Interest Margin | 4.62% | 3.17% | 3.68% | 4.16% | Beats 90% | 73 / 746 | | |
| Efficiency Ratio | 58.62% | 55.74% | 64.58% | 75.47% | Beats 66% | 256 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.09% | 0.42% | 1.07% | Beats 28% | 536 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 409 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.46% | 11.55% | 13.75% | 17.60% | Beats 74% | 193 / 746 | | |
| Total Risk-Based Capital Ratio | 18.72% | 11.71% | 14.33% | 18.43% | Beats 76% | 176 / 746 | | |
| Equity / Assets | 8.05% | 8.90% | 10.51% | 13.06% | Beats 14% | 645 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.52% | 61.31% | 78.27% | 90.78% | 50th pctl | 371 / 746 | | |
| Loans / Assets | 71.84% | 53.60% | 66.97% | 76.08% | 62nd pctl | 285 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |