BlastPoint's Banking Scorecard
The Peoples Bank
Micro
Specialty: Commercial
KY
FDIC cert 1566
Designations: ✓ Community bank
Taylorsville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The Peoples Bank shows strong momentum with 2 strengths and 5.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.93% above tier
- + Non-Interest-Bearing Deposit Share 14.94% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.4M
+5.1% YoY
+6.2% QoQ
|
-$80.1M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$95.2M
+25.4% YoY
+8.9% QoQ
|
-$43.9M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$123.3M
+2.5% YoY
+6.6% QoQ
|
-$60.4M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
2.01%
+12.0% YoY
-0.6% QoQ
|
+0.93% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.92%
+5.8% YoY
+1.4% QoQ
|
+1.07% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
60.66%
-4.2% YoY
+1.2% QoQ
|
-7.07% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.57%
-41.6% YoY
-13.1% QoQ
|
-0.07% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
77.25%
+22.4% YoY
+2.1% QoQ
|
+2.73% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
37.34%
+6.7% YoY
-4.2% QoQ
|
+14.94% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.40%
-30.2% YoY
-10.9% QoQ
|
-0.06% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
18.25%
-11.8% YoY
-4.9% QoQ
|
+9.39% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.42%
-12.1% YoY
+25.9% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.34%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.34% · Tier avg: 22.39%
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.92% · Tier avg: 3.85%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.25% · Tier avg: 8.85%
65
65th pctile
Efficiency Ratio
Current: 60.66% · Tier avg: 67.73%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.25% · Tier avg: 74.53%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.64%
41
41th pctile
Total Loans
Current: $95.2M · Tier avg: $139.2M
36
36th pctile
Total Deposits
Current: $123.3M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $137.4M · Tier avg: $217.5M
Top Weaknesses
34
34th pctile
Total Assets
Current: $137.4M · Tier avg: $217.5M
36
36th pctile
Total Deposits
Current: $123.3M · Tier avg: $183.7M
41
41th pctile
Total Loans
Current: $95.2M · Tier avg: $139.2M
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
48
48th pctile
Loan-to-Deposit Ratio
Current: 77.25% · Tier avg: 74.53%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
65
65th pctile
Efficiency Ratio
Current: 60.66% · Tier avg: 67.73%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.25% · Tier avg: 8.85%
89
89th pctile
Net Interest Margin
Current: 4.92% · Tier avg: 3.85%
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.08%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.34% · Tier avg: 22.39%