Peoples Bank, Mt. Washington (FDIC certificate #5847) is based in Mount Washington, Kentucky. Its Q2 2026 call report shows $120.0M in total assets and $109.6M in deposits and 2 offices.
Based on its Q2 2026 filing, Peoples Bank, Mt. Washington scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 73rd. Its strongest component is earnings (90/100; 1.76%), and its lowest is capital cushion (56/100; 10.59%).
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 rose 3 points (67 → 70), mostly because the funding & liquidity component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 83 |
| Q4 2024 | 67 |
| Q1 2025 | 69 |
| Q2 2025 | 67 |
| Q3 2025 | 82 |
| Q4 2025 | 81 |
| Q1 2026 | 71 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.42% |
| Q3 2024 | 10.44% |
| Q4 2024 | 10.65% |
| Q1 2025 | 10.69% |
| Q2 2025 | 10.28% |
| Q3 2025 | 10.24% |
| Q4 2025 | 10.43% |
| Q1 2026 | 10.62% |
| Q2 2026 | 10.59% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 1.46% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.32% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.12% |
| Q1 2026 | 1.21% |
| Q2 2026 | 1.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.62% |
| Q3 2024 | 1.70% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.65% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.78% |
| Q4 2025 | 1.78% |
| Q1 2026 | 1.91% |
| Q2 2026 | 1.76% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $120.0M | 10.59% | 1.17% | 1.76% | 79.4% |
| Q1 2026 | 71 | $120.3M | 10.62% | 1.21% | 1.91% | 76.4% |
| Q4 2025 | 81 | $120.0M | 10.43% | 0.12% | 1.78% | 73.2% |
| Q3 2025 | 82 | $121.2M | 10.24% | 0.00% | 1.78% | 69.2% |
| Q2 2025 | 67 | $123.1M | 10.28% | 1.32% | 1.61% | 68.1% |
| Q1 2025 | 69 | $116.7M | 10.69% | 1.41% | 1.65% | 68.4% |
| Q4 2024 | 67 | $113.1M | 10.65% | 1.46% | 1.63% | 71.5% |
| Q3 2024 | 83 | $115.7M | 10.44% | 0.00% | 1.70% | 67.0% |
| Q2 2024 | 82 | $115.0M | 10.42% | 0.00% | 1.62% | 67.1% |
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 |
|---|---|---|---|---|---|
| Fredonia Valley BankBank Fredonia, KY | 68 out of 100, Moderate | $119.8M | 11.5% | 1.19% | vs |
| Bedford Loan & Deposit BankBank Bedford, KY | 76 out of 100, Strong | $121.8M | 14.6% | 1.27% | vs |
| The Peoples BankBank Marion, KY | 73 out of 100, Strong | $135.3M | 11.6% | 0.23% | vs |
| Owingsville Banking CompanyBank Owingsville, KY | 67 out of 100, Moderate | $104.1M | 10.0% | 0.29% | vs |
| Bank of the Mountains, Inc.Bank West Liberty, KY | 64 out of 100, Moderate | $100.0M | 9.2% | 0.57% | vs |
| Bank of BuffaloBank Buffalo, KY | 69 out of 100, Moderate | $140.5M | 9.8% | 0.69% | vs |
Deposit insurance
Is my money safe at Peoples Bank, Mt. Washington?
Yes. Peoples Bank, Mt. Washington is an FDIC-insured institution (FDIC certificate #5847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.7% of deposits ($19.4M) 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 10.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.15% (benchmark: 10%).
2 locations
Branches
Peoples Bank, Mt. Washington lists 2 offices in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Peoples Bank, Mt. Washington
- Former names
- The Peoples Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5847
- RSSD ID
- 271341
- Primary regulator
- FDIC
- Holding company
- Crossroads Bcorp Inc
- Established
- January 1, 1909
- Headquarters
- 201 N Bardstown Rd, Mount Washington, KY 40047
- Website
- www.peoplesbankmtw.com
- Employees
- 23
Quick answers
Peoples Bank, Mt. Washington: common questions
Is Peoples Bank, Mt. Washington FDIC insured?
Yes. Peoples Bank, Mt. Washington is an FDIC-insured institution (FDIC certificate #5847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank, Mt. Washington's TellerScore?
70 out of 100 (Strong), 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, Mt. Washington ever failed?
There is no failure record for FDIC certificate #5847 in the FDIC failed bank list.
How many branches does Peoples Bank, Mt. Washington have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mount Washington
| 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 |
| Advanz Federal Credit UnionCredit union Louisville, KY | 85 out of 100, Very strong | $161.6M | 15.6% | 0.54% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Transcend Credit UnionCredit union Louisville, KY | 83 out of 100, Strong | $588.3M | 13.4% | 0.13% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Town & Country Bank and Trust CompanyBank Bardstown, KY | 82 out of 100, Strong | $433.7M | 12.7% | 0.42% | vs |