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First & Peoples Bank And Trust Company
Russell, KY · FDIC Certificate #8122 · Chartered 02/2
Total assets
$207.10M
Total deposits
$190.56M
Total equity
$15.87M
Net loans
$87.53M
Branches (offices)
4
Net income (YTD)
-$500.00K
Rank: #2,931 of 4,213 U.S. banks by assets · #82 of 120 in Kentucky. Assets changed -1.7% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.48% |
| Return on equity | -6.23% |
| Net interest margin (YTD) | 3.07% |
| Equity to assets | 7.66% |
| Tier 1 leverage ratio | 9.05% |
| Uninsured deposits (share of deposits) | 14.7% |
| Noncurrent loans (share of loans) | 15.30% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 45.9% |
| Real estate loans (share of loans) | 48.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $42.57M | 48.6% | |
| Commercial & industrial | $1.95M | 2.2% | |
| Consumer / individual | $18.27M | 20.9% | |
| Construction & development | $5.41M | 6.2% | |
| Agricultural | $92.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $250.19M | $198.62M | $1.72M | $33.18M |
| Jun 2023 | $228.23M | $190.03M | -$8.36M | $14.54M |
| Jun 2024 | $214.92M | $199.21M | -$634.00K | $14.91M |
| Jun 2025 | $210.65M | $196.55M | -$1.60M | $13.39M |
| Jun 2026 | $207.10M | $190.56M | -$500.00K | $15.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $190.56M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $190.56M.
Similar-sized banks
State Savings Bank ($207.18M) · The Citizens-Farmers Bank Of Cole Camp ($206.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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