Side-by-side · Q2 2026 data
West Point Bank vs Peoples Bank of Kentucky, Inc.
Metric by metric
| Measure | West Point Bank | Peoples Bank of Kentucky, Inc. |
|---|---|---|
| TellerScore | 57 (stronger) | 45 |
| Capital cushion | 35 | 61 (stronger) |
| Loan quality | 69 (stronger) | 0 |
| Earnings | 63 (stronger) | 40 |
| Funding & liquidity | 60 | 80 (stronger) |
| Problem-loan coverage | 81 (stronger) | 66 |
| Peer percentile | 14th | 4th |
| Total assets | $560.6M | $564.9M |
| Deposits / shares | $475.7M | $489.3M |
| Capital ratio | 8.55% | 11.13% (stronger) |
| Problem loans | 0.93% (stronger) | 3.20% |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.08% (stronger) | 0.49% |
| Loans ÷ deposits | 92.7% | 78.5% (stronger) |
| Uninsured deposits | 22.3% | 16.2% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.9% | — |
West Point Bank has the higher TellerScore (57 vs 45). On the 7 directional measures above (where higher or lower is clearly better), West Point Bank leads on 4 and Peoples Bank of Kentucky, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.