The Peoples Bank: how it compares with its peers
Against 46 KY banks with half to twice its assets, The Peoples Bank's strongest measure in Q2 2026 is return on assets (2.14% vs. a 1.27% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $5.9M).
| Measure | The Peoples Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.14% | 1.27% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.00% | 4.12% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.62% | 62.75% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $5.9M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.44% | 80.02% | Context |
What it means for lending operations
Its efficiency ratio of 58.62% is better than the 62.75% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Cadiz and Trust Company Cadiz, KY · $143M
- Hyden Citizens Bank Hyden, KY · $149M
- Bank of Buffalo Buffalo, KY · $141M
- The Sacramento Deposit Bank Sacramento, KY · $150M
- Independent Correspondent Bankers' Bank, Inc. Frankfort, KY · $151M
- The Peoples Bank Marion, KY · $135M
Questions about The Peoples Bank
How big is The Peoples Bank?
The Peoples Bank, established in 1903, is headquartered in Taylorsville, KY. It reported $145M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Peoples Bank's return on assets?
2.14% annualized in Q2 2026, against a 1.27% median for 46 KY banks with half to twice its assets, ahead of 91% of them.
What is The Peoples Bank's efficiency ratio?
58.62% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 62.75%, and lower is better.
Is The Peoples Bank growing its loans?
Net loans grew 19.6% over the year to Q2 2026, while deposits grew 12.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.