D
First & Peoples Bank and Trust Company
Russell,  KY
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
8.95
Return On
Assets
-1.22%
Total
Assets
204.50M
Capital
14.60M
Total
Deposits
189.09M
Net
Income
-2.07M
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Weiss Ratings First & Peoples Bank and Trust Company
Russell, KY 		Click to
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Rating D
Asset Quality Index 0.30
Capitalization Index 6.90
Liquidity Index 3.90
Profitability Index 0.00
Stability Index 3.40
Company Info First & Peoples Bank and Trust Company
Russell, KY 		Click to
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FDIC Number 8122
Phone Number (606) 836-0211
Website www.firstandpeoplesbank.com
Asset Quality First & Peoples Bank and Trust Company
Russell, KY 		Click to
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1-Year Asset Growth -2.99%
5-Year Asset Growth 0.63%
5-Year Charge-Offs to Average Loans 3.82%
Charge-Offs to Average Loans 3.93%
Non-Performing Assets to Assets 8.50%
Non-Performing Loans to Capital 75.17%
Non-Performing Loans to Loans 19.01%
Balance Sheet First & Peoples Bank and Trust Company
Russell, KY 		Click to
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Total Assets 204.50M
Total Deposits 189.09M
Capital and Reserves First & Peoples Bank and Trust Company
Russell, KY 		Click to
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Capital 14.60M
Leverage Ratio 8.95
Loan Loss Reserves to Loans 3.85%
Risk-Based Capital Ratio --
Liquidity First & Peoples Bank and Trust Company
Russell, KY 		Click to
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Hot Money Ratio 16.11%
Liquidity Ratio 24.00%
Profitability First & Peoples Bank and Trust Company
Russell, KY 		Click to
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5-Year Return on Average Assets -0.98%
Net Income -2.07M
Net Interest Spread 2.52%
Operating Profit to Average Assets -1.22%
Overhead Efficiency Ratio 116.84%
Return on Assets -1.22%
Return on Equity -19.77%