The Peoples Bank (FDIC certificate #16603) is based in Marion, Kentucky. Its Q2 2026 call report shows $135.3M in total assets and $119.4M in deposits and 4 offices.
Based on its Q2 2026 filing, The Peoples Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 62nd. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (55/100; 0.87%).
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 4 points (69 → 73), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 47 |
| Q4 2024 | 49 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 71 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.06% |
| Q3 2024 | 10.97% |
| Q4 2024 | 10.79% |
| Q1 2025 | 10.60% |
| Q2 2025 | 10.55% |
| Q3 2025 | 11.02% |
| Q4 2025 | 11.43% |
| Q1 2026 | 11.27% |
| Q2 2026 | 11.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.60% |
| Q3 2024 | 2.71% |
| Q4 2024 | 2.19% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.33% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.59% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $135.3M | 11.55% | 0.23% | 0.87% | 91.5% |
| Q1 2026 | 71 | $135.2M | 11.27% | 0.22% | 0.59% | 87.1% |
| Q4 2025 | 71 | $133.9M | 11.43% | 0.32% | 0.72% | 87.7% |
| Q3 2025 | 70 | $129.3M | 11.02% | 0.33% | 0.79% | 88.3% |
| Q2 2025 | 69 | $138.5M | 10.55% | 0.33% | 0.68% | 82.1% |
| Q1 2025 | 68 | $136.8M | 10.60% | 0.33% | 0.52% | 84.9% |
| Q4 2024 | 49 | $129.4M | 10.79% | 2.19% | 0.35% | 89.6% |
| Q3 2024 | 47 | $133.0M | 10.97% | 2.71% | 0.65% | 85.5% |
| Q2 2024 | 46 | $127.6M | 11.06% | 2.60% | 0.45% | 90.6% |
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 |
|---|---|---|---|---|---|
| Bank of BuffaloBank Buffalo, KY | 69 out of 100, Moderate | $140.5M | 9.8% | 0.69% | vs |
| Bank of Cadiz and Trust CompanyBank Cadiz, KY | 74 out of 100, Strong | $142.9M | 9.1% | 0.00% | vs |
| The Peoples BankBank Taylorsville, KY | 74 out of 100, Strong | $145.0M | 10.8% | 0.97% | vs |
| Hyden Citizens BankBank Hyden, KY | 73 out of 100, Strong | $148.6M | 9.2% | 0.54% | vs |
| Bedford Loan & Deposit BankBank Bedford, KY | 76 out of 100, Strong | $121.8M | 14.6% | 1.27% | vs |
| The Sacramento Deposit BankBank Sacramento, KY | 74 out of 100, Strong | $149.8M | 9.5% | 0.76% | vs |
Deposit insurance
Is my money safe at The Peoples Bank?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #16603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.2% of deposits ($13.4M) 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 11.55%, well 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
The Peoples Bank lists 3 offices in 3 cities. Most locations:
- Cave City, KY (1)
- Glasgow, KY (1)
- Marion, KY (1)
Identity & history
Profile
- Legal name
- The Peoples Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 16603
- RSSD ID
- 446149
- Primary regulator
- FED
- Holding company
- Peoples-Marion Bcorp Inc
- Established
- October 1, 1946
- Headquarters
- 116 S Main St, Marion, KY 42064
- Website
- www.thepeoplesbank-ky.com
- Employees
- 28
Quick answers
The Peoples Bank: common questions
Is The Peoples Bank FDIC insured?
Yes. The Peoples Bank is an FDIC-insured institution (FDIC certificate #16603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples Bank's TellerScore?
73 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 The Peoples Bank ever failed?
There is no failure record for FDIC certificate #16603 in the FDIC failed bank list.
How many branches does The Peoples Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marion
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C-Plant Federal Credit UnionCredit union Paducah, KY | 92 out of 100, Very strong | $365.9M | 14.7% | 0.16% | vs |
| United Community Bank of West Kentucky, Inc.Bank Morganfield, KY | 78 out of 100, Strong | $524.9M | 11.0% | 0.11% | vs |
| Planters Bank, Inc.Bank Hopkinsville, KY | 77 out of 100, Strong | $2.0B | 12.4% | 0.11% | vs |
| Farmers Bank and Trust CompanyBank Princeton, KY | 76 out of 100, Strong | $247.8M | 9.5% | 0.04% | vs |
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |
| First United Bank and Trust CompanyBank Madisonville, KY | 74 out of 100, Strong | $591.4M | 9.5% | 0.25% | vs |