Peoples Exchange Bank (FDIC #8785): Bank Stress & Real-Estate Credit Exposure
Peoples Exchange Bank (FDIC Cert #8785): bank stress 66/100, elevated, STABLE over 7 days; parent GENBEACH CO INC.
Peoples Exchange Bank (#8785) lends in 7 counties across 1 state; Peoples Exchange Bank (#8785) reaches 46 ZIP codes: Kentucky 7 counties, 46 ZIPs.
Peoples Exchange Bank (#8785) largest markets: Fayette County, KY (19 branches, 19 ZIPs) (#8785), Boone County, KY (9 branches, 9 ZIPs) (#8785), Lee County, KY (6 branches, 6 ZIPs) (#8785), Scott County, KY (6 branches, 6 ZIPs) (#8785), Montgomery County, KY (5 branches, 5 ZIPs) (#8785), Powell County, KY (4 branches, 4 ZIPs) (#8785).
Peoples Exchange Bank (#8785) reports $609.8 million in total assets; Peoples Exchange Bank (#8785) equity $59.2 million (9.7% of Peoples Exchange Bank (#8785) assets); Peoples Exchange Bank (#8785) domestic deposits $522.7 million; Peoples Exchange Bank (#8785) net income $3.9 million; Peoples Exchange Bank (#8785) return on assets 1.26%; Peoples Exchange Bank (#8785) return on equity 13.53%; Peoples Exchange Bank (#8785) net interest income $12.2 million; Peoples Exchange Bank (#8785) call report June 30, 2026.
Peoples Exchange Bank (#8785) noncurrent real-estate loans: none reported; Peoples Exchange Bank (#8785) net charge-offs on real estate 0.07%.
Peoples Exchange Bank (#8785) net interest margin 4.20% against an eight-quarter Peoples Exchange Bank (#8785) average of 3.85% (Peoples Exchange Bank (#8785) compression -0.36 points); Peoples Exchange Bank (#8785) rate-exposure score 40/100, Peoples Exchange Bank (#8785) fixed-rate trap 40/100; Peoples Exchange Bank (#8785) risk type credit driven; Peoples Exchange Bank (#8785) rate regime rates elevated, Peoples Exchange Bank (#8785) snapshot October 19, 2026.
Peoples Exchange Bank (#8785) stress score moved from 67.6 on June 22, 2026 to 66.3 on October 19, 2026; Peoples Exchange Bank (#8785) ranged 66.3 to 67.6 over 116 snapshots.
Peoples Exchange Bank (#8785) alerts: 7 counties; top Peoples Exchange Bank (#8785) alert scores: Beattyville County, KY 22 (low); Florence County, KY 22 (low); Georgetown County, KY 22 (low); Lexington County, KY 22 (low); Mount Sterling County, KY 22 (low).