Headquartered in Flemingsburg, Kentucky, Peoples Bank of Kentucky, Inc. is a state-chartered bank with $564.9M in total assets and $489.3M in deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1906.
Peoples Bank of Kentucky, Inc. has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 115th. Funding & liquidity contributes the most (80/100, 78% loans-to-deposits, 16% uninsured); loan quality contributes the least (0/100, 3.20%).
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 18 points (63 → 45), mostly because the loan quality component weakened by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 70 |
| Q4 2024 | 70 |
| Q1 2025 | 62 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 55 |
| Q1 2026 | 41 |
| Q2 2026 | 45 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.91% |
| Q3 2024 | 11.09% |
| Q4 2024 | 11.31% |
| Q1 2025 | 11.70% |
| Q2 2025 | 11.70% |
| Q3 2025 | 12.08% |
| Q4 2025 | 11.43% |
| Q1 2026 | 11.30% |
| Q2 2026 | 11.13% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.93% |
| Q2 2025 | 1.87% |
| Q3 2025 | 1.89% |
| Q4 2025 | 2.59% |
| Q1 2026 | 2.61% |
| Q2 2026 | 3.20% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.41% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.28% |
| Q1 2026 | -0.95% |
| Q2 2026 | 0.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $564.9M | 11.13% | 3.20% | 0.49% | 78.5% |
| Q1 2026 | 41 | $557.6M | 11.30% | 2.61% | -0.95% | 80.0% |
| Q4 2025 | 55 | $542.3M | 11.43% | 2.59% | 1.28% | 85.3% |
| Q3 2025 | 63 | $533.9M | 12.08% | 1.89% | 1.32% | 87.8% |
| Q2 2025 | 63 | $513.0M | 11.70% | 1.87% | 1.30% | 88.4% |
| Q1 2025 | 62 | $506.5M | 11.70% | 1.93% | 1.29% | 88.7% |
| Q4 2024 | 70 | $492.8M | 11.31% | 0.93% | 1.30% | 89.2% |
| Q3 2024 | 70 | $496.7M | 11.09% | 0.90% | 1.41% | 91.2% |
| Q2 2024 | 68 | $508.8M | 10.91% | 1.00% | 1.39% | 87.3% |
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 |
|---|---|---|---|---|---|
| West Point BankBank Radcliff, KY | 57 out of 100, Moderate | $560.6M | 8.5% | 0.93% | vs |
| Magnolia Bank, IncorporatedBank Elizabethtown, KY | 49 out of 100, Below average | $546.3M | 11.0% | 2.02% | vs |
| First Kentucky Bank, Inc.Bank Mayfield, KY | 73 out of 100, Strong | $585.6M | 9.3% | 0.25% | vs |
| First United Bank and Trust CompanyBank Madisonville, KY | 74 out of 100, Strong | $591.4M | 9.5% | 0.25% | vs |
| The Murray BankBank Murray, KY | 60 out of 100, Moderate | $534.1M | 10.0% | 1.95% | vs |
| United Community Bank of West Kentucky, Inc.Bank Morganfield, KY | 78 out of 100, Strong | $524.9M | 11.0% | 0.11% | vs |
Deposit insurance
Is my money safe at Peoples Bank of Kentucky, Inc.?
Yes. Peoples Bank of Kentucky, Inc. is an FDIC-insured institution (FDIC certificate #16970). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.2% of deposits ($79.2M) 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 11.13%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.54% (benchmark: 10%).
12 locations
Branches
Peoples Bank of Kentucky, Inc. lists 9 offices in 8 cities. Most locations:
- Flemingsburg, KY (2)
- Lexington, KY (1)
- Mayslick, KY (1)
- Maysville, KY (1)
- Morehead, KY (1)
- Mount Sterling, KY (1)
- Owingsville, KY (1)
- Tollesboro, KY (1)
Identity & history
Profile
- Legal name
- Peoples Bank of Kentucky, Inc.
- Former names
- The People's Bank of Fleming County, Kentucky
- Type
- State-chartered bank
- FDIC certificate #
- 16970
- RSSD ID
- 995517
- Primary regulator
- FDIC
- Holding company
- Peoples Fleming Cnty Bcorp Inc
- Established
- April 6, 1906
- Headquarters
- 106 S Main Cross St, Flemingsburg, KY 41041
- Website
- www.peoplesbankofky.com
- Employees
- 110
Quick answers
Peoples Bank of Kentucky, Inc.: common questions
Is Peoples Bank of Kentucky, Inc. FDIC insured?
Yes. Peoples Bank of Kentucky, Inc. is an FDIC-insured institution (FDIC certificate #16970). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Bank of Kentucky, Inc.'s TellerScore?
45 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 of Kentucky, Inc. ever failed?
There is no failure record for FDIC certificate #16970 in the FDIC failed bank list.
How many branches does Peoples Bank of Kentucky, Inc. have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Flemingsburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of MaysvilleBank Maysville, KY | 93 out of 100, Very strong | $164.0M | 16.9% | 0.12% | vs |
| Morehead Community Federal Credit UnionCredit union Morehead, KY | 88 out of 100, Very strong | $65.1M | 13.5% | 0.50% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Security Bank and Trust Co.Bank Maysville, KY | 83 out of 100, Strong | $71.8M | 15.7% | 1.86% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| The First National Bank of GraysonBank Grayson, KY | 79 out of 100, Strong | $371.9M | 13.0% | 0.96% | vs |