Peoples Bank of Kentucky, Inc.: how it compares with its peers
Against 49 KY banks with half to twice its assets, Peoples Bank of Kentucky, Inc.'s strongest measure in Q2 2026 is net interest margin (4.27% vs. a 3.73% peer median). Its weakest relative measure is return on assets (0.49% vs. 1.29%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.49% | 1.29% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.27% | 3.73% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.37% | 58.25% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.2M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.45% | 85.07% | Context |
What it means for lending operations
Its efficiency ratio of 56.37% is better than the 58.25% 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
- West Point Bank Radcliff, KY · $561M
- Magnolia Bank, Incorporated Elizabethtown, KY · $546M
- First Kentucky Bank, Inc. Mayfield, KY · $586M
- First United Bank and Trust Company Madisonville, KY · $591M
- The Murray Bank Murray, KY · $534M
- United Community Bank of West Kentucky, Inc. Morganfield, KY · $525M
Questions about Peoples Bank of Kentucky, Inc.
How big is Peoples Bank of Kentucky, Inc.?
Peoples Bank of Kentucky, Inc., established in 1906, is headquartered in Flemingsburg, KY. It reported $565M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Peoples Bank of Kentucky, Inc.'s return on assets?
0.49% annualized in Q2 2026, against a 1.29% median for 49 KY banks with half to twice its assets, ahead of 2% of them.
What is Peoples Bank of Kentucky, Inc.'s efficiency ratio?
56.37% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 58.25%, and lower is better.
Is Peoples Bank of Kentucky, Inc. growing its loans?
Net loans shrank 1.8% over the year to Q2 2026, while deposits grew 10.6%.
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.