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Overview / Commentary
419 Chestnut Street
Berea, KY 40403

Peoples Bank and Trust Company of Madison County is headquartered in Berea and is the 39th largest bank in the state of Kentucky. It is also the 1,756th largest bank in the nation. It was established in 1970 and as of December of 2016, it had grown to 79 employees at 11 locations. Peoples Bank and Trust Company of Madison County has a B+ health rating.

Reviews (1)

Reviewing Whitaker Bank

Posted by: sgividen | Feb 22, 2011

I chose this bank because it supports University of Kentucky athletics, my favorite college sports team. It has around a dozen or so locations across the state, mainly in central Kentucky. The bank tellers have always been super friendly when I drop into any branch to conduct business. I also like the bank's "phonesmart" 24 hour banking line. I can call that number at any time on any day to hear my account information, hear deposits and withdrawals and transfer funds. The only trouble I have had with Whitaker Bank is the online banking system Login is not easy and the website is difficult to navigate. This has caused me some frustration, but never enough for me to call or complain to the bank. Another issue that has caused me some irritation is that not all of the bank's branches are open on Saturdays. Sometimes I have had to drive across town or go out of my way to get to the bank on the weekend because the branch closest to me was not open on Saturday. Overall, I would recommend this bank, especially to those who live in the central Kentucky area and who do not have a primary reliance on online banking services.


Health Grade Components

FDIC Certificate #20281
Year Established1970
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD5.63%
Annual Interest Income$14.0MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$392.3MM$395.5MM
LoansQ4 2016vs Q4 2015$230.0MM$222.7MM
DepositsQ4 2016vs Q4 2015$300.3MM$302.2MM
Equity CapitalQ4 2016vs Q4 2015$53.6MM$51.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.9MM$4.3MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$5.9MM$8.4MM
Real Estate OwnedQ4 2016vs Q4 2015$347.00K$668.00K

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Peoples Bank and Trust Company of Madison County Locations
Brandy Lane Branch1000 Brandy LaneRichmond, KY 40475
West End Branch102 West Jefferson StreetBerea, KY 40403
Richmond Branch1157 Berea RdRichmond, KY 40475
North Berea Branch228 Glades RoadBerea, KY 40403
U.S. 25 Branch303 Richmond RdBerea, KY 40403
Mt. Vernon Branch350 Richmond StreetMount Vernon, KY 40456
Waco Branch3750 New Irvine RdWaco, KY 40385
Peoples Bank and Trust Company Of Madison County419 Chestnut StreetBerea, KY 40403
Eastern By-Pass Branch460 Eastern By-PassRichmond, KY 40475