Peoples Bank is a state-chartered bank headquartered in Lebanon, Kentucky, in business for about 116 years. At the end of Q2 2026 it reported $193.7M in total assets and $173.3M in deposits, with 4 offices.
Based on its Q2 2026 filing, Peoples Bank scores 43/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 116th. Its strongest component is funding & liquidity (63/100; 93% loans-to-deposits, 18% uninsured), and its lowest is loan quality (15/100; 2.55%).
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
From Q2 2025 to Q2 2026, the score fell 24 points (67 → 43), mostly because the loan quality component weakened by 81 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 70 |
| Q2 2025 | 67 |
| Q3 2025 | 64 |
| Q4 2025 | 62 |
| Q1 2026 | 62 |
| Q2 2026 | 43 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.11% |
| Q3 2024 | 9.48% |
| Q4 2024 | 9.68% |
| Q1 2025 | 9.89% |
| Q2 2025 | 9.25% |
| Q3 2025 | 9.14% |
| Q4 2025 | 9.31% |
| Q1 2026 | 9.38% |
| Q2 2026 | 9.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.68% |
| Q2 2026 | 2.55% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.05% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 43 | $193.7M | 9.24% | 2.55% | 1.06% | 93.3% |
| Q1 2026 | 62 | $195.3M | 9.38% | 0.68% | 1.01% | 95.8% |
| Q4 2025 | 62 | $186.0M | 9.31% | 0.72% | 1.15% | 96.2% |
| Q3 2025 | 64 | $189.5M | 9.14% | 0.41% | 1.05% | 96.5% |
| Q2 2025 | 67 | $186.0M | 9.25% | 0.11% | 1.03% | 93.0% |
| Q1 2025 | 70 | $185.9M | 9.89% | 0.00% | 1.13% | 90.3% |
| Q4 2024 | 66 | $168.3M | 9.68% | 0.19% | 0.93% | 93.0% |
| Q3 2024 | 65 | $170.2M | 9.48% | 0.25% | 0.96% | 88.4% |
| Q2 2024 | 60 | $166.7M | 9.11% | 0.43% | 0.90% | 86.1% |
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 |
|---|---|---|---|---|---|
| Elkton Bank & Trust CompanyBank Elkton, KY | 82 out of 100, Strong | $199.1M | 12.6% | 0.12% | vs |
| First & Peoples Bank and Trust CompanyBank Russell, KY | 27 out of 100, Low | $207.1M | 9.0% | 15.30% | vs |
| Century Bank of Kentucky, Inc.Bank Lawrenceburg, KY | 84 out of 100, Strong | $208.1M | 10.4% | 0.00% | vs |
| Bank of ClarksonBank Clarkson, KY | 67 out of 100, Moderate | $178.2M | 12.4% | 1.87% | vs |
| Jackson County BankBank Mc Kee, KY | 92 out of 100, Very strong | $175.9M | 28.8% | 0.68% | vs |
| Pbk Bank, Inc.Bank Stanford, KY | 94 out of 100, Very strong | $175.6M | 15.2% | 0.46% | vs |
Deposit insurance
Is my money safe at Peoples Bank?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #1562). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.3% of deposits ($31.8M) 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 9.24%, 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
Peoples Bank lists 4 offices in 3 cities. Most locations:
- Lebanon, KY (2)
- Loretto, KY (1)
- Louisville, KY (1)
Identity & history
Profile
- Legal name
- Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1562
- RSSD ID
- 519445
- Primary regulator
- FDIC
- Holding company
- King Harris Bcorp Inc
- Established
- September 16, 1910
- Headquarters
- 265 Old Springfield Rd, Lebanon, KY 40033
- Website
- www.pboflebanon.com
- Employees
- 29
Quick answers
Peoples Bank: common questions
Is Peoples Bank FDIC insured?
Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #1562). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank's TellerScore?
43 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Bank ever failed?
There is no failure record for FDIC certificate #1562 in the FDIC failed bank list.
How many branches does Peoples Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lebanon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| United Citizens Bank of Southern KentuckyBank Columbia, KY | 81 out of 100, Strong | $286.2M | 12.1% | 0.43% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Springfield State BankBank Springfield, KY | 79 out of 100, Strong | $486.9M | 14.0% | 0.56% | vs |