Peoples Bank, The
Marion, KY · Cert 16603 · Peer group: banks under $1B in assets in KY (n=69) · Peoples-Marion Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$135.3MAssets
$110.9MLoans
$119.4MDeposits
$15.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of banks under $1B in assets in KY (rank 23 of 69).
- Widest gap: efficiency ratio trails 80% of banks under $1B in assets in KY (rank 56 of 69).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.86%
Rank 50 of 69
Net Interest Margin
3.78%
Rank 32 of 69
Efficiency Ratio
73.18%
Rank 56 of 69
Equity / Assets
11.32%
Rank 25 of 69
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 20% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.83% | 1.18% | 1.44% | Beats 28% | 50 / 69 | |
| Return on Equity | 7.64% | 7.64% | 11.70% | 15.70% | Beats 25% | 52 / 69 | |
| Net Interest Margin | 3.78% | 3.45% | 3.75% | 3.96% | Beats 54% | 32 / 69 | |
| Efficiency Ratio | 73.18% | 55.32% | 62.99% | 70.80% | Beats 20% | 56 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.18% | 0.52% | 1.14% | Beats 68% | 23 / 69 | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.02% | 0.06% | Beats 23% | 54 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 11.55% | 11.33% | 13.58% | 16.27% | Beats 29% | 49 / 69 | |
| Total Risk-Based Capital Ratio | 11.55% | 11.55% | 14.43% | 17.27% | Beats 25% | 52 / 69 | |
| Equity / Assets | 11.32% | 8.31% | 9.91% | 12.53% | Beats 64% | 25 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 92.88% | 71.40% | 81.07% | 88.03% | 78th pctl | 15 / 69 | |
| Loans / Assets | 81.96% | 61.10% | 68.66% | 76.68% | 83rd pctl | 12 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |