Peoples Exchange Bank, Inc.
Winchester, KY · Cert 8785 · Peer group: banks under $1B in assets (n=581-629) · Genbeach Co. Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$609.8MAssets
$518.3MLoans
$522.7MDeposits
$59.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets (rank 125 of 581).
- Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets (rank 567 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.28%
Rank 212 of 629
Net Interest Margin
3.94%
Rank 187 of 629
Efficiency Ratio
62.01%
Rank 210 of 629
Equity / Assets
9.70%
Rank 404 of 629
Non-interest income vs. expense
Unfavorable gap of $13.7M · efficiency ratio beats 67% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.60% | 1.01% | 1.45% | Beats 66% | 212 / 629 | |
| Return on Equity | 13.19% | 5.38% | 9.30% | 13.28% | Beats 74% | 163 / 629 | |
| Net Interest Margin | 3.94% | 3.03% | 3.54% | 4.05% | Beats 70% | 187 / 629 | |
| Efficiency Ratio | 62.01% | 58.35% | 67.79% | 79.08% | Beats 67% | 210 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.46% | 1.20% | Beats 79% | 125 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 49% | 298 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.97% | 11.24% | 13.84% | 18.77% | Beats 10% | 563 / 629 | |
| Total Risk-Based Capital Ratio | 9.97% | 11.58% | 14.43% | 19.66% | Beats 10% | 567 / 629 | |
| Equity / Assets | 9.70% | 9.09% | 10.65% | 13.80% | Beats 36% | 404 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 99.16% | 67.24% | 80.90% | 93.48% | 85th pctl | 92 / 594 | |
| Loans / Assets | 85.00% | 53.31% | 67.71% | 78.15% | 92nd pctl | 50 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |