First & Peoples Bank and Trust Company (FDIC certificate #8122) is based in Russell, Kentucky. Its Q2 2026 call report shows $207.1M in total assets and $190.6M in deposits and 4 offices.
First & Peoples Bank and Trust Company has a TellerScore of 27 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 119th. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 15% uninsured); problem-loan coverage contributes the least (0/100, 70.8%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (27 → 27).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 30 |
| Q3 2024 | 30 |
| Q4 2024 | 30 |
| Q1 2025 | 27 |
| Q2 2025 | 27 |
| Q3 2025 | 27 |
| Q4 2025 | 28 |
| Q1 2026 | 28 |
| Q2 2026 | 27 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.99% |
| Q3 2024 | 9.85% |
| Q4 2024 | 9.90% |
| Q1 2025 | 9.07% |
| Q2 2025 | 9.07% |
| Q3 2025 | 9.07% |
| Q4 2025 | 9.31% |
| Q1 2026 | 9.18% |
| Q2 2026 | 9.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 23.38% |
| Q3 2024 | 23.40% |
| Q4 2024 | 23.37% |
| Q1 2025 | 21.69% |
| Q2 2025 | 20.88% |
| Q3 2025 | 19.01% |
| Q4 2025 | 17.93% |
| Q1 2026 | 17.16% |
| Q2 2026 | 15.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.57% |
| Q3 2024 | -0.99% |
| Q4 2024 | -0.62% |
| Q1 2025 | -2.58% |
| Q2 2025 | -1.51% |
| Q3 2025 | -1.32% |
| Q4 2025 | -0.68% |
| Q1 2026 | -0.56% |
| Q2 2026 | -0.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 27 | $207.1M | 9.05% | 15.30% | -0.48% | 45.9% |
| Q1 2026 | 28 | $209.3M | 9.18% | 17.16% | -0.56% | 44.0% |
| Q4 2025 | 28 | $206.1M | 9.31% | 17.93% | -0.68% | 45.7% |
| Q3 2025 | 27 | $204.8M | 9.07% | 19.01% | -1.32% | 46.6% |
| Q2 2025 | 27 | $210.7M | 9.07% | 20.88% | -1.51% | 46.1% |
| Q1 2025 | 27 | $210.5M | 9.07% | 21.69% | -2.58% | 47.4% |
| Q4 2024 | 30 | $212.5M | 9.90% | 23.37% | -0.62% | 48.2% |
| Q3 2024 | 30 | $210.8M | 9.85% | 23.40% | -0.99% | 53.8% |
| Q2 2024 | 30 | $214.9M | 9.99% | 23.38% | -0.57% | 53.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY | 84 out of 100, Strong | $208.1M | 10.4% | 0.00% | vs |
| Elkton Bank & Trust CompanyBank Elkton, KY | 82 out of 100, Strong | $199.1M | 12.6% | 0.12% | vs |
| Commercial BankBank West Liberty, KY | 65 out of 100, Moderate | $216.1M | 10.0% | 1.14% | vs |
| Citizens Bank & Trust Co. of JacksonBank Jackson, KY | 42 out of 100, Below average | $217.3M | 9.7% | 3.35% | vs |
| United Citizens Bank & Trust CompanyBank Campbellsburg, KY | 56 out of 100, Moderate | $219.3M | 10.0% | 1.78% | vs |
| The Citizens BankBank Hickman, KY | 82 out of 100, Strong | $220.4M | 12.7% | 0.34% | vs |
Deposit insurance
Is my money safe at First & Peoples Bank and Trust Company?
Yes. First & Peoples Bank and Trust Company is an FDIC-insured institution (FDIC certificate #8122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.7% of deposits ($28.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.05%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
First & Peoples Bank and Trust Company lists 4 offices in 4 cities. Most locations:
- Flatwoods, KY (1)
- Greenup, KY (1)
- Russell, KY (1)
- South Shore, KY (1)
Identity & history
Profile
- Legal name
- First & Peoples Bank and Trust Company
- Former names
- First & Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8122
- RSSD ID
- 391418
- Primary regulator
- FDIC
- Holding company
- First&peoples Bancshares Inc
- Established
- February 28, 1932
- Headquarters
- 1001 Diederich Blvd, Russell, KY 41169
- Website
- www.firstandpeoplesbank.com
- Employees
- 48
Quick answers
First & Peoples Bank and Trust Company: common questions
Is First & Peoples Bank and Trust Company FDIC insured?
Yes. First & Peoples Bank and Trust Company is an FDIC-insured institution (FDIC certificate #8122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First & Peoples Bank and Trust Company's TellerScore?
27 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First & Peoples Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #8122 in the FDIC failed bank list.
How many branches does First & Peoples Bank and Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Russell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kentucky Farmers Bank CorporationBank Catlettsburg, KY | 93 out of 100, Very strong | $328.5M | 15.7% | 0.43% | vs |
| Pace Federal Credit UnionCredit union Huntington, WV | 86 out of 100, Very strong | $8.7M | 12.9% | 0.00% | vs |
| Liberty BankBank Ironton, OH | 82 out of 100, Strong | $55.7M | 18.0% | 0.77% | vs |
| First Priority Federal Credit UnionCredit union Huntington, WV | 82 out of 100, Strong | $74.8M | 12.5% | 1.14% | vs |
| F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY | 81 out of 100, Strong | $8.8M | 14.3% | 0.00% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |