BlastPoint's Banking Scorecard
Peoples Bank of Kentucky, Inc.
Community
Specialty: Agricultural
KY
FDIC cert 16970
Flemingsburg, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Peoples Bank of Kentucky, Inc. has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.13% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.02% above tier
- - Nonperforming Asset Ratio 1.45% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$542.3M
+10.1% YoY
+1.6% QoQ
|
-$849.1M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$398.7M
+5.3% YoY
-1.0% QoQ
|
-$576.8M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$467.2M
+10.1% YoY
+1.8% QoQ
|
-$697.4M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.28%
-1.1% YoY
-2.9% QoQ
|
+0.12% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.80%
+0.6% YoY
-0.7% QoQ
|
+1.13% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
58.26%
+5.5% YoY
+2.7% QoQ
|
-4.37% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
2.65%
+179.2% YoY
+36.8% QoQ
|
+2.02% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
85.34%
-4.4% YoY
-2.7% QoQ
|
+2.28% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
10.01%
-8.6% YoY
-7.1% QoQ
|
-11.04% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
1.95%
+167.2% YoY
+33.3% QoQ
|
+1.45% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
15.61%
+7.2% YoY
+2.4% QoQ
|
+5.37% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.53%
-7.7% YoY
+35.8% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Community
Why this stands out
Current:
4.80%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.65%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
1.95%
(Tier avg: 0.50%, National avg: 0.48%)
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
93
93th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.66%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.61% · Tier avg: 10.24%
63
63th pctile
Efficiency Ratio
Current: 58.26% · Tier avg: 62.63%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.34% · Tier avg: 83.06%
14
14th pctile
Total Loans
Current: $398.7M · Tier avg: $975.5M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 10.01% · Tier avg: 21.05%
8
8th pctile
Total Deposits
Current: $467.2M · Tier avg: $1.2B
6
6th pctile
Nonperforming Asset Ratio
Current: 1.95% · Tier avg: 0.50%
6
6th pctile
Total Assets
Current: $542.3M · Tier avg: $1.4B
6
6th pctile
Delinquency Rate
Current: 2.65% · Tier avg: 0.63%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 2.65% · Tier avg: 0.63%
6
6th pctile
Total Assets
Current: $542.3M · Tier avg: $1.4B
6
6th pctile
Nonperforming Asset Ratio
Current: 1.95% · Tier avg: 0.50%
8
8th pctile
Total Deposits
Current: $467.2M · Tier avg: $1.2B
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 10.01% · Tier avg: 21.05%
14
14th pctile
Total Loans
Current: $398.7M · Tier avg: $975.5M
48
48th pctile
Loan-to-Deposit Ratio
Current: 85.34% · Tier avg: 83.06%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
63
63th pctile
Efficiency Ratio
Current: 58.26% · Tier avg: 62.63%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.61% · Tier avg: 10.24%
93
93th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.66%