Peoples Exchange Bank: how it compares with its peers
Against 44 KY banks with half to twice its assets, Peoples Exchange Bank's strongest measure in Q2 2026 is net interest margin (4.20% vs. a 3.80% peer median). Its weakest relative measure is efficiency ratio (62.01% vs. 56.93%).
| Measure | Peoples Exchange Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.31% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.20% | 3.80% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.01% | 56.93% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.2M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.98% | 84.83% | Context |
What it means for lending operations
Its efficiency ratio of 62.01% is above the 56.93% 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
- Hearthside Bank Corporation Middlesboro, KY · $609M
- First United Bank and Trust Company Madisonville, KY · $591M
- First Kentucky Bank, Inc. Mayfield, KY · $586M
- Peoples Bank of Kentucky, Inc. Flemingsburg, KY · $565M
- West Point Bank Radcliff, KY · $561M
- Citizens Bank of Kentucky, Inc. Paintsville, KY · $670M
Questions about Peoples Exchange Bank
How big is Peoples Exchange Bank?
Peoples Exchange Bank, established in 1912, is headquartered in Winchester, KY. It reported $610M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Peoples Exchange Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.31% median for 44 KY banks with half to twice its assets, ahead of 48% of them.
What is Peoples Exchange Bank's efficiency ratio?
62.01% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 56.93%, and lower is better.
Is Peoples Exchange Bank growing its loans?
Net loans grew 5.6% over the year to Q2 2026, while deposits grew 2.1%.
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.