C
Peoples Exchange Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Peoples Exchange Bank
Winchester, KY
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Rating C
Asset Quality Index 8.50
Capitalization Index 7.80
Liquidity Index 0.60
Profitability Index 4.80
Stability Index 3.70
Company Info Peoples Exchange Bank
Winchester, KY
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FDIC Number 8785
Phone Number (859) 744-9400
Website www.pebank.com
Asset Quality Peoples Exchange Bank
Winchester, KY
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1-Year Asset Growth 8.31%
5-Year Asset Growth 6.60%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 1.59%
Non-Performing Loans to Loans 0.28%
Balance Sheet Peoples Exchange Bank
Winchester, KY
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Total Assets 592.49M
Total Deposits 511.98M
Capital and Reserves Peoples Exchange Bank
Winchester, KY
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Capital 52.74M
Leverage Ratio 9.56
Loan Loss Reserves to Loans 1.14%
Risk-Based Capital Ratio --
Liquidity Peoples Exchange Bank
Winchester, KY
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Hot Money Ratio 19.88%
Liquidity Ratio 13.74%
Profitability Peoples Exchange Bank
Winchester, KY
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5-Year Return on Average Assets 0.94%
Net Income 2.87M
Net Interest Spread 3.79%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 66.73%
Return on Assets 0.99%
Return on Equity 11.15%