TellerScore

Peoples Exchange Bank is a state-chartered bank headquartered in Winchester, Kentucky, in business for about 114 years. At the end of Q2 2026 it reported $609.8M in total assets and $522.7M in deposits, with 9 offices.

Based on its Q2 2026 filing, Peoples Exchange Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 67th. Its strongest component is loan quality (98/100; 0.06%), and its lowest is funding & liquidity (50/100; 98% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.97%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings71/100
Return on assets (annualized): 1.26%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 98.0% · 26.5% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.44%

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 (68 → 71), mostly because the earnings component improved by 11 points.

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202467
Q1 202568
Q2 202568
Q3 202569
Q4 202569
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%7.48%9.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.54%
Q3 20249.71%
Q4 20249.83%
Q1 20259.73%
Q2 20259.56%
Q3 20259.56%
Q4 20259.54%
Q1 20269.78%
Q2 20269.97%
Noncurrent loans
0.00%0.06%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.07%
Q1 20250.00%
Q2 20250.10%
Q3 20250.13%
Q4 20250.07%
Q1 20260.12%
Q2 20260.06%
Return on assets
0.68%0.97%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.75%
Q4 20240.82%
Q1 20250.87%
Q2 20250.99%
Q3 20251.04%
Q4 20251.07%
Q1 20261.22%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$609.8M9.97%0.06%1.26%98.0%
Q1 202670$626.9M9.78%0.12%1.22%92.8%
Q4 202569$614.5M9.54%0.07%1.07%92.7%
Q3 202569$606.8M9.56%0.13%1.04%92.8%
Q2 202568$592.5M9.56%0.10%0.99%94.7%
Q1 202568$581.7M9.73%0.00%0.87%98.0%
Q4 202467$554.3M9.83%0.07%0.82%98.3%
Q3 202467$543.1M9.71%0.00%0.75%95.0%
Q2 202466$547.0M9.54%0.00%0.68%93.4%

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).

Capital ratio9.97%
30th
Total risk-based capital0.00%
24th
Problem loans0.06%
77th
Net charge-offs0.02%
41st
Return on assets1.26%
51st
Net interest margin4.20%
65th
Efficiency ratio62.0%
51st
Loans to deposits98.0%
12th
Uninsured deposits26.5%
40th
Loan-loss reserves1.19%
50th
Texas ratio1.4%
64th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Hearthside Bank CorporationBank Middlesboro, KY68 out of 100, Moderate$608.9M10.1%0.32%vs
First United Bank and Trust CompanyBank Madisonville, KY74 out of 100, Strong$591.4M9.5%0.25%vs
First Kentucky Bank, Inc.Bank Mayfield, KY73 out of 100, Strong$585.6M9.3%0.25%vs
Peoples Bank of Kentucky, Inc.Bank Flemingsburg, KY45 out of 100, Below average$564.9M11.1%3.20%vs
West Point BankBank Radcliff, KY57 out of 100, Moderate$560.6M8.5%0.93%vs
Citizens Bank of Kentucky, Inc.Bank Paintsville, KY79 out of 100, Strong$669.9M13.5%0.85%vs

Deposit insurance

Is my money safe at Peoples Exchange Bank?

Yes. Peoples Exchange Bank is an FDIC-insured institution (FDIC certificate #8785). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.5% of deposits ($138.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.97%, 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%).

Check how much of your own balance is covered

9 locations

Branches

Peoples Exchange Bank lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples Exchange Bank reported 317 home-loan applications under HMDA (LEI 549300Q3RKNDNMSDEE10): 205 originated ($62,385,000 total), 39 denied, and 61 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Peoples Exchange Bank
Former names
The Peoples Exchange Bank of Beattyville, Kentucky
Type
State-chartered bank
FDIC certificate #
8785
RSSD ID
129910
Primary regulator
FDIC
Holding company
Genbeach Co Inc
Established
September 13, 1912
Headquarters
101 N Main St, Winchester, KY 40391
Employees
97

Quick answers

Peoples Exchange Bank: common questions

Is Peoples Exchange Bank FDIC insured?

Yes. Peoples Exchange Bank is an FDIC-insured institution (FDIC certificate #8785). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Exchange Bank's TellerScore?

71 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 Exchange Bank ever failed?

There is no failure record for FDIC certificate #8785 in the FDIC failed bank list.

How many branches does Peoples Exchange Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winchester

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs