First & Peoples Bank and Trust Company: how it compares with its peers
Against 54 KY banks with half to twice its assets, First & Peoples Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($4.3M vs. a $5.9M peer median). Its weakest relative measure is return on assets (-0.48% vs. 1.45%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.48% | 1.45% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.07% | 4.08% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 109.34% | 60.58% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $5.9M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.93% | 80.53% | Context |
What it means for lending operations
Its efficiency ratio of 109.34% is above the 60.58% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Century Bank of Kentucky, Inc. Lawrenceburg, KY · $208M
- Elkton Bank & Trust Company Elkton, KY · $199M
- Commercial Bank West Liberty, KY · $216M
- Citizens Bank & Trust Co. of Jackson Jackson, KY · $217M
- United Citizens Bank & Trust Company Campbellsburg, KY · $219M
- The Citizens Bank Hickman, KY · $220M
Questions about First & Peoples Bank and Trust Company
How big is First & Peoples Bank and Trust Company?
First & Peoples Bank and Trust Company, established in 1932, is headquartered in Russell, KY. It reported $207M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First & Peoples Bank and Trust Company's return on assets?
-0.48% annualized in Q2 2026, against a 1.45% median for 54 KY banks with half to twice its assets, ahead of 0% of them.
What is First & Peoples Bank and Trust Company's efficiency ratio?
109.34% in Q2 2026: it spent about 109 cents in noninterest expense for each dollar of revenue. The peer median is 60.58%, and lower is better.
Is First & Peoples Bank and Trust Company growing its loans?
Net loans shrank 3.4% over the year to Q2 2026, while deposits shrank 3.0%.
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.