Peoples Bank, Mt. Washington: how it compares with its peers
Against 38 KY banks with half to twice its assets, Peoples Bank, Mt. Washington's strongest measure in Q2 2026 is net interest margin (5.13% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $5.1M).
| Measure | Peoples Bank, Mt. Washington | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.76% | 1.11% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.13% | 4.15% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.52% | 65.68% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $5.1M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.35% | 78.13% | Context |
What it means for lending operations
Its efficiency ratio of 62.52% is better than the 65.68% 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
- Fredonia Valley Bank Fredonia, KY · $120M
- Bedford Loan & Deposit Bank Bedford, KY · $122M
- The Peoples Bank Marion, KY · $135M
- Owingsville Banking Company Owingsville, KY · $104M
- Bank of the Mountains, Inc. West Liberty, KY · $100M
- Bank of Buffalo Buffalo, KY · $141M
Questions about Peoples Bank, Mt. Washington
How big is Peoples Bank, Mt. Washington?
Peoples Bank, Mt. Washington, established in 1909, is headquartered in Mount Washington, KY. It reported $120M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Peoples Bank, Mt. Washington's return on assets?
1.76% annualized in Q2 2026, against a 1.11% median for 38 KY banks with half to twice its assets, ahead of 76% of them.
What is Peoples Bank, Mt. Washington's efficiency ratio?
62.52% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 65.68%, and lower is better.
Is Peoples Bank, Mt. Washington growing its loans?
Net loans grew 12.2% over the year to Q2 2026, while deposits shrank 3.7%.
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.