BlastPoint's Banking Scorecard
Peoples Exchange Bank
Community
Specialty: Commercial
KY
FDIC cert 8785
Winchester, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Peoples Exchange Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Community
- - Credit Risk Growth: Bottom 34% in Community
- - Liquidity Strain: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$614.5M
+10.9% YoY
+1.3% QoQ
|
-$776.9M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$492.2M
+8.8% YoY
+1.4% QoQ
|
-$483.3M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$530.8M
+15.3% YoY
+1.4% QoQ
|
-$633.8M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.07%
+30.3% YoY
+2.2% QoQ
|
-0.10% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.96%
+12.2% YoY
+1.5% QoQ
|
+0.29% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
64.68%
-11.3% YoY
-1.2% QoQ
|
+2.05% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.08%
+14.3% YoY
-41.8% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
92.73%
-5.7% YoY
-0.1% QoQ
|
+9.67% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
25.02%
-10.4% YoY
+2.9% QoQ
|
+3.97% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.14%
+157.4% YoY
+33.7% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.61%
-7.0% YoY
+35.1% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#98 of 371 · Top 26% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (3)
Credit Quality Pressure
risk
#29 of 808 · Bottom 3% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#220 of 642 · Bottom 34% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#206 of 513 · Bottom 40% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.73%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
85
85th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.02% · Tier avg: 21.05%
68
68th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
61
61th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
42
42th pctile
Efficiency Ratio
Current: 64.68% · Tier avg: 62.63%
30
30th pctile
Total Loans
Current: $492.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.73% · Tier avg: 83.06%
18
18th pctile
Total Deposits
Current: $530.8M · Tier avg: $1.2B
16
16th pctile
Total Assets
Current: $614.5M · Tier avg: $1.4B
Top Weaknesses
16
16th pctile
Total Assets
Current: $614.5M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $530.8M · Tier avg: $1.2B
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.73% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Loans
Current: $492.2M · Tier avg: $975.5M
42
42th pctile
Efficiency Ratio
Current: 64.68% · Tier avg: 62.63%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
61
61th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
68
68th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.02% · Tier avg: 21.05%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%