C
Peoples Bank of Kentucky, Inc.
Rating Date
October 2025
Risk Based
Capital Ratio
16.52
Leverage
Ratio
12.08
Return On
Assets
1.34%
Total
Assets
533.86M
Capital
60.85M
Total
Deposits
458.99M
Net
Income
5.08M
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Weiss Ratings Peoples Bank of Kentucky, Inc.
Flemingsburg, KY 		Click to
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Rating C
Asset Quality Index 4.70
Capitalization Index 10.00
Liquidity Index 0.70
Profitability Index 7.00
Stability Index 3.70
Company Info Peoples Bank of Kentucky, Inc.
Flemingsburg, KY 		Click to
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FDIC Number 16970
Phone Number (606) 845-2461
Website peoplesbankofky.com
Asset Quality Peoples Bank of Kentucky, Inc.
Flemingsburg, KY 		Click to
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1-Year Asset Growth 7.48%
5-Year Asset Growth 10.37%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 1.46%
Non-Performing Loans to Capital 10.92%
Non-Performing Loans to Loans 1.89%
Balance Sheet Peoples Bank of Kentucky, Inc.
Flemingsburg, KY 		Click to
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Total Assets 533.86M
Total Deposits 458.99M
Capital and Reserves Peoples Bank of Kentucky, Inc.
Flemingsburg, KY 		Click to
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Capital 60.85M
Leverage Ratio 12.08
Loan Loss Reserves to Loans 2.50%
Risk-Based Capital Ratio 16.52
Liquidity Peoples Bank of Kentucky, Inc.
Flemingsburg, KY 		Click to
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Hot Money Ratio 29.74%
Liquidity Ratio 12.47%
Profitability Peoples Bank of Kentucky, Inc.
Flemingsburg, KY 		Click to
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5-Year Return on Average Assets 1.28%
Net Income 5.08M
Net Interest Spread 4.89%
Operating Profit to Average Assets 1.80%
Overhead Efficiency Ratio 57.92%
Return on Assets 1.34%
Return on Equity 11.69%