Peoples Bank

Peoples Bank Locations
Springfield Highway
Lebanon, KY 40033
www.pboflebanon.com

Peoples Bank is headquartered in Lebanon and is the 174th largest bank in the state of Kentucky. It is also the 6,424th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 12 employees at 2 locations. Peoples Bank has a 4-star health rating.

Peoples Bank Routing Number: 083905083

Related Posts

3.35% Reward Checking Account and 1.81% e.Savings Account at Peoples Bank in NC - 7/21/2009

Update 9/07/09: The bank is no longer accepting Free Interest Checking applications from those outside of North Carolina.Peoples Bank is offering a reward checking account called Free Interest Checking with the following rates if certain monthly...

3.51% 12-Month CD at Peoples Bank in Georgia - 2/3/2009

Peoples Bank is offering a 3.51% APY 12-month CD. Minimum deposit is $500. The CD is also available in an IRA. This rate is listed in the bank's rate table as of 2/3/2009. At the bottom of the table it states that the bank will accept applications for...

2.01% Reward Checking Account at Peoples Bank in Georgia - 2/3/2009

Update 11/09/09: The reward checking account is no longer listed at the bank's website.Peoples Bank is offering a reward checking account that pays 2.01% APY on balances up to $25,000 (1.01% for above) and refunds ATM fees if the following monthly...

3.91% Reward Checking Account at a Tennessee Bank (Peoples) - 12/2/2007

Update 1/12/09: The top yield has fallen to 3.91% APY.Peoples Bank is offering a reward checking account that pays 3.91% APY on balances up to $25K (1.51% for over) and refunds ATM fees if the following monthly requirements are met: 1) 10 debit card...


Data for Q1 2012


Institution Statistics


Peoples Bank
FDIC Certificate #1562
BankRate ReportView
Year Established1910
Employees12
Primary RegulatorFDIC

Assets and Liabilities

Assets$48.18 million
Loans$30.61 million
Deposits$42.15 million
Equity Capital$4.36 million
Loan Loss Allowance$591,000
Unbacked Noncurrent Loans$133,000
Real Estate Owned$732,000

Historic Data - March 2011

Assets$46.52 million
Equity Capital$4.20 million
Loan Loss Allowance$460,000
Unbacked Noncurrent Loans$150,000
Real Estate Owned$754,000

Profit Margin - Quarterly

Net Interest Margin3.7%
Return on Assets0.65%
Return on Equity7.12%
Interest Income$483,000

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Peoples Bank had $865,000 in non-current loans and owned real-estate with $4.95 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank a Texas Ratio of 17.48% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Peoples Bank held steady from 19.39% as of March 31, 2011 to 17.48% as of March 31, 2012, resulting in a positive change of 9.84%.This indicates that the balance sheet and financial strength for Peoples Bank has held steady in recent periods.
Deposit Growth5
In the past year, Peoples Bank has increased its total deposits by $2.85 million, resulting in 7.26% 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 has shown is excellent.
Capitalization4
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 has $48.18 million in assets with $4.95 million in equity, resulting in a capitalization level of 10.27%, which is above average.
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