First & Peoples Bank and Trust Company

Russell, KY

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	First & Peoples Bank and Trust Company Russell, KY	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	0.30
Capitalization Index	7.50
Liquidity Index	4.00
Profitability Index	0.00
Stability Index	2.70

Company Info	First & Peoples Bank and Trust Company Russell, KY	Click to Compare	Click to Compare	Click to Compare
FDIC Number	8122
Phone Number	(606) 836-0211
Website	www.firstandpeoplesbank.com

Asset Quality	First & Peoples Bank and Trust Company Russell, KY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-2.99%
5-Year Asset Growth	-1.87%
5-Year Charge-Offs to Average Loans	3.82%
Charge-Offs to Average Loans	2.85%
Non-Performing Assets to Assets	7.84%
Non-Performing Loans to Capital	68.25%
Non-Performing Loans to Loans	17.93%

Balance Sheet	First & Peoples Bank and Trust Company Russell, KY	Click to Compare	Click to Compare	Click to Compare
Total Assets	206.10M
Total Deposits	188.85M

Capital and Reserves	First & Peoples Bank and Trust Company Russell, KY	Click to Compare	Click to Compare	Click to Compare
Capital	16.70M
Leverage Ratio	9.31
Loan Loss Reserves to Loans	4.18%
Risk-Based Capital Ratio	--

Liquidity	First & Peoples Bank and Trust Company Russell, KY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	13.08%
Liquidity Ratio	23.74%

Profitability	First & Peoples Bank and Trust Company Russell, KY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	-0.98%
Net Income	-1.42M
Net Interest Spread	2.61%
Operating Profit to Average Assets	-1.00%
Overhead Efficiency Ratio	108.89%
Return on Assets	-0.63%
Return on Equity	-9.84%