Peoples Bank Mt Washington

Mount Washington, KY · Cert 5847 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Crossroads Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$120.0MAssets

$88.2MLoans

$109.6MDeposits

$9.8MEquity

Executive Summary

Strongest standing: net interest margin outperforms 92% of banks under $1B in assets operating in a single state (rank 58 of 746).
Widest gap: equity / assets trails 85% of banks under $1B in assets operating in a single state (rank 637 of 746).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.38%

Rank 217 of 746

Net Interest Margin

4.71%

Rank 58 of 746

Efficiency Ratio

62.52%

Rank 329 of 746

Equity / Assets

8.13%

Rank 637 of 746

Unfavorable gap of $3.4M · efficiency ratio beats 56% 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
Earnings
Return on Assets	1.38%	0.72%	1.06%	1.45%	Beats 71%	217 / 746	n/a
Return on Equity	17.00%	6.74%	10.51%	13.63%	Beats 91%	65 / 746	n/a
Net Interest Margin	4.71%	3.17%	3.68%	4.16%	Beats 92%	58 / 746	n/a
Efficiency Ratio	62.52%	55.74%	64.58%	75.47%	Beats 56%	329 / 746	n/a
Asset Quality
Nonperforming Loans / Loans	1.17%	0.09%	0.42%	1.07%	Beats 23%	573 / 743	n/a
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.05%	Beats 59%	310 / 743	n/a
Capital
Tier 1 Capital Ratio	12.93%	11.55%	13.75%	17.60%	Beats 41%	441 / 746	n/a
Total Risk-Based Capital Ratio	14.15%	11.71%	14.33%	18.43%	Beats 48%	386 / 746	n/a
Equity / Assets	8.13%	8.90%	10.51%	13.06%	Beats 15%	637 / 746	n/a
Liquidity & Funding
Loans / Deposits	80.46%	61.31%	78.27%	90.78%	55th pctl	339 / 746	n/a
Loans / Assets	73.49%	53.60%	66.97%	76.08%	68th pctl	241 / 746	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution