Peoples Bank Of Kentucky Inc (FDIC #16970): Bank Stress & Real-Estate Credit Exposure

Peoples Bank Of Kentucky Inc (FDIC Cert #16970): bank stress 77/100, severe, STABLE over 7 days; parent PEOPLES FLEMING CNTY BCORP INC.

Peoples Bank Of Kentucky Inc (#16970) lends in 7 counties across 1 state; Peoples Bank Of Kentucky Inc (#16970) reaches 45 ZIP codes: Kentucky 7 counties, 45 ZIPs.

Peoples Bank Of Kentucky Inc (#16970) largest markets: Fayette County, KY (19 branches, 19 ZIPs) (#16970), Lewis County, KY (9 branches, 9 ZIPs) (#16970), Bath County, KY (8 branches, 8 ZIPs) (#16970), Fleming County, KY (35 branches, 7 ZIPs) (#16970), Mason County, KY (10 branches, 5 ZIPs) (#16970), Montgomery County, KY (5 branches, 5 ZIPs) (#16970).

Peoples Bank Of Kentucky Inc (#16970) reports $564.9 million in total assets; Peoples Bank Of Kentucky Inc (#16970) equity $62.3 million (11.0% of Peoples Bank Of Kentucky Inc (#16970) assets); Peoples Bank Of Kentucky Inc (#16970) domestic deposits $489.3 million; Peoples Bank Of Kentucky Inc (#16970) net income $1.4 million; Peoples Bank Of Kentucky Inc (#16970) return on assets 0.49%; Peoples Bank Of Kentucky Inc (#16970) return on equity 4.47%; Peoples Bank Of Kentucky Inc (#16970) net interest income $11.1 million; Peoples Bank Of Kentucky Inc (#16970) call report June 30, 2026.

Peoples Bank Of Kentucky Inc (#16970) noncurrent real-estate loans 0.07% of its book; Peoples Bank Of Kentucky Inc (#16970) net charge-offs on real estate 3.54%; Peoples Bank Of Kentucky Inc (#16970) residential charge-offs 5.92%.

Peoples Bank Of Kentucky Inc (#16970) net interest margin 4.27% against an eight-quarter Peoples Bank Of Kentucky Inc (#16970) average of 4.65% (Peoples Bank Of Kentucky Inc (#16970) compression 0.37 points); Peoples Bank Of Kentucky Inc (#16970) real-estate loans 6.5% of equity; Peoples Bank Of Kentucky Inc (#16970) non-residential real estate 591.8% of equity; Peoples Bank Of Kentucky Inc (#16970) rate-exposure score 40/100, Peoples Bank Of Kentucky Inc (#16970) fixed-rate trap 40/100; Peoples Bank Of Kentucky Inc (#16970) risk type credit driven; Peoples Bank Of Kentucky Inc (#16970) rate regime rates elevated, Peoples Bank Of Kentucky Inc (#16970) snapshot October 20, 2026.

Peoples Bank Of Kentucky Inc (#16970) stress score moved from 85.9 on June 22, 2026 to 77 on October 20, 2026; Peoples Bank Of Kentucky Inc (#16970) ranged 77 to 85.9 over 117 snapshots.

Peoples Bank Of Kentucky Inc (#16970) alerts: 7 counties; top Peoples Bank Of Kentucky Inc (#16970) alert scores: Hillsboro County, KY 24 (low); Lexington County, KY 24 (low); Maysville County, KY 24 (low); Morehead County, KY 24 (low); Mount Sterling County, KY 24 (low).