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Peoples Exchange Bank
Winchester, KY · FDIC Certificate #8785 · Chartered 09/1
Total assets
$609.83M
Total deposits
$522.71M
Total equity
$59.17M
Net loans
$512.15M
Branches (offices)
8
Net income (YTD)
$3.90M
Rank: #1,542 of 4,213 U.S. banks by assets · #28 of 120 in Kentucky. Assets changed 2.9% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 13.53% |
| Net interest margin (YTD) | 4.20% |
| Equity to assets | 9.70% |
| Tier 1 leverage ratio | 9.97% |
| Uninsured deposits (share of deposits) | 26.5% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 98.0% |
| Real estate loans (share of loans) | 95.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $491.34M | 95.9% | |
| Commercial & industrial | $11.55M | 2.3% | |
| Consumer / individual | $6.87M | 1.3% | |
| Construction & development | $42.26M | 8.3% | |
| Agricultural | $8.01M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $509.31M | $451.04M | $2.28M | $42.68M |
| Jun 2023 | $528.09M | $441.22M | $1.93M | $44.33M |
| Jun 2024 | $547.04M | $461.79M | $1.86M | $47.85M |
| Jun 2025 | $592.49M | $511.98M | $2.87M | $52.74M |
| Jun 2026 | $609.83M | $522.71M | $3.90M | $59.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $522.71M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $522.71M.
Similar-sized banks
Peoples Savings Bank ($610.44M) · Hearthside Bank Corporation ($608.94M)
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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