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Peoples Bank Of Kentucky, Inc.
Flemingsburg, KY · FDIC Certificate #16970 · Chartered 04/0
Total assets
$564.89M
Total deposits
$489.32M
Total equity
$62.29M
Net loans
$383.88M
Branches (offices)
12
Net income (YTD)
$1.37M
Rank: #1,633 of 4,213 U.S. banks by assets · #32 of 120 in Kentucky. Assets changed 10.1% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.49% |
| Return on equity | 4.47% |
| Net interest margin (YTD) | 4.27% |
| Equity to assets | 11.03% |
| Tier 1 leverage ratio | 11.13% |
| Uninsured deposits (share of deposits) | 16.2% |
| Noncurrent loans (share of loans) | 3.20% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 83.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $320.07M | 83.4% | |
| Commercial & industrial | $32.75M | 8.5% | |
| Consumer / individual | $13.49M | 3.5% | |
| Construction & development | $14.45M | 3.8% | |
| Agricultural | $30.24M | 7.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $406.45M | $345.52M | $2.17M | $42.45M |
| Jun 2023 | $465.76M | $390.31M | $3.05M | $46.52M |
| Jun 2024 | $508.79M | $433.78M | $3.43M | $52.50M |
| Jun 2025 | $513.00M | $442.42M | $3.27M | $58.65M |
| Jun 2026 | $564.89M | $489.32M | $1.37M | $62.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $489.32M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $489.32M.
Similar-sized banks
Capitol Bank ($565.30M) · Peoples Bank & Trust ($563.26M)
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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