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The Peoples Bank
Marion, KY · FDIC Certificate #16603 · Chartered 10/0
Total assets
$135.31M
Total deposits
$119.40M
Total equity
$15.32M
Net loans
$109.24M
Branches (offices)
4
Net income (YTD)
$585.00K
Rank: #3,423 of 4,213 U.S. banks by assets · #100 of 120 in Kentucky. Assets changed -2.3% and deposits -3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 7.78% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 11.32% |
| Tier 1 leverage ratio | 11.55% |
| Uninsured deposits (share of deposits) | 11.2% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 91.5% |
| Real estate loans (share of loans) | 73.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $79.86M | 73.1% | |
| Commercial & industrial | $14.80M | 13.5% | |
| Consumer / individual | $2.13M | 2.0% | |
| Construction & development | $2.01M | 1.8% | |
| Agricultural | $14.09M | 12.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $114.05M | $102.41M | $721.00K | $10.75M |
| Jun 2023 | $135.71M | $121.91M | $662.00K | $12.72M |
| Jun 2024 | $127.64M | $113.06M | $289.00K | $13.69M |
| Jun 2025 | $138.49M | $123.67M | $459.00K | $14.16M |
| Jun 2026 | $135.31M | $119.40M | $585.00K | $15.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $119.40M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $119.40M.
Similar-sized banks
Worthington Federal Savings Bank, FSB ($135.40M) · F&M Bank ($135.28M)
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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