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Overview / Commentary
106 South Main
Flemingsburg, KY 41041

Peoples Bank of Kentucky, Inc. is headquartered in Flemingsburg and is the 52nd largest bank in the state of Kentucky. It is also the 2,454th largest bank in the nation. It was established in 1906 and as of March of 2014, it had grown to 78 employees at 8 locations. Peoples Bank of Kentucky, Inc. has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Peoples Bank of Kentucky, Inc. had $3.88 million in non-current loans and owned real-estate with $32.64 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of Kentucky, Inc. a Texas Ratio of 11.89% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Peoples Bank of Kentucky, Inc. decreased dramatically from 21.03% as of March 31, 2013 to 11.89% as of March 31, 2014, resulting in a positive change of 43.49%.This indicates that the balance sheet and financial strength for Peoples Bank of Kentucky, Inc. has improved dramatically in recent periods.

Deposit Growth


In the past year, Peoples Bank of Kentucky, Inc. has increased its total deposits by $1.53 million, resulting in 0.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Peoples Bank of Kentucky, Inc. has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Peoples Bank of Kentucky, Inc. has $263.26 million in assets with $32.64 million in equity, resulting in a capitalization level of 12.40%, which is excellent.

Institution Statistics

FDIC Certificate #16970
Year Established1906
Primary RegulatorFDIC
Assets and Liabilities
Assets$263.27 million
Loans$197.45 million
Deposits$226.74 million
Equity Capital$29.37 million
Loan Loss Allowance$3.27 million
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$450,000
Historic Data - March 2013
Assets$261.33 million
Equity Capital$28.28 million
Loan Loss Allowance$2.70 million
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$1.35 million
Profit Margin - Quarterly
Net Interest Margin3.98%
Return on Assets0.99%
Return on Equity8.85%
Interest Income$2.74 million
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Peoples Bank of Kentucky, Inc. CD Rates

1.20%$1k-60 Month CD
0.95%$1k-36 Month CD
0.65%$1k-24 Month CD
0.40%$1k-12 Month CD
0.40%$1k-18 Month CD
0.20%$1k-91 Day CD
0.20%$1k-182 Day CD
0.10%$1k-31 Day CD

Peoples Bank of Kentucky, Inc. IRA Rates

0.75%--12 Month Fixed IRA

Peoples Bank of Kentucky, Inc. Locations
Peoples Bank Of Kentucky, Inc.106 South MainFlemingsburg, KY 41041
Salt Lick Branch113 Main StreetSalt Lick, KY 40371
Drive-In Branch202 East Water StreetFlemingsburg, KY 41041
Slate Avenue Branch43 Slate AvenueOwingsville, KY 40360
Mayslick Branch6588 US 68Mayslick, KY 41055
Morehead Road Branch6925 Morehead RoadFlemingsburg, KY 41041
Tucker Drive Branch90 Tucker DriveMaysville, KY 41056
Hillsboro BranchRoute 111Hillsboro, KY 41049