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Peoples Bank
Lebanon, KY · FDIC Certificate #1562 · Chartered 09/1
Total assets
$193.74M
Total deposits
$173.30M
Total equity
$15.26M
Net loans
$161.71M
Branches (offices)
4
Net income (YTD)
$1.02M
Rank: #3,015 of 4,213 U.S. banks by assets · #84 of 120 in Kentucky. Assets changed 4.2% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 13.69% |
| Net interest margin (YTD) | 4.13% |
| Equity to assets | 7.87% |
| Tier 1 leverage ratio | 9.24% |
| Uninsured deposits (share of deposits) | 18.3% |
| Noncurrent loans (share of loans) | 2.55% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.3% |
| Real estate loans (share of loans) | 75.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $122.05M | 75.5% | |
| Commercial & industrial | $37.81M | 23.4% | |
| Consumer / individual | $2.47M | 1.5% | |
| Construction & development | $6.91M | 4.3% | |
| Agricultural | $125.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $109.09M | $99.96M | $381.00K | $7.72M |
| Jun 2023 | $137.16M | $118.35M | $676.00K | $10.52M |
| Jun 2024 | $166.72M | $151.48M | $745.00K | $12.14M |
| Jun 2025 | $185.96M | $165.84M | $924.00K | $13.21M |
| Jun 2026 | $193.74M | $173.30M | $1.02M | $15.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $173.30M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $173.30M.
Similar-sized banks
Liberty Bank ($193.86M) · Security Savings Bank ($193.71M)
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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