# PEOPLES BANK
LEBANON, KY · FDIC certificate 1562 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $193.7M | |
| Deposits | $173.3M | |
| Loans and leases | $163.1M | |
| Total equity | $15.3M | |
| Loans / deposits | 93.31% (p85 of band) | 73.59% |
| Liquid assets / assets | 14.32% (p10 of band) | |
| Uninsured deposits / deposits | 18.34% (p45 of band) | 19.81% |
| Brokered deposits | 9.29% | |
| Wholesale funding | 11.18% (p86 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.24% (p14 of band) | 11.76% |
| Unrealized securities loss / equity | -25.59% (p18 of band) | -6.57% |
| AOCI / equity | 0.04% (p87 of band) | |
| ROA (annualized) | 1.06% (p43 of band) | 1.17% |
| Net interest margin | 4.13% (p61 of band) | 3.93% |
| Efficiency ratio | 63.36% (p43 of band) | |
| Noncurrent loans | 2.55% (p90 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 33.98% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 45.29% (p76 of band) | |
| Auto loans | $1.8M (1.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | uninsured deposits leaving |  |
| 2025-09 | 2 | capital falling | securities losses >30% of equity |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-27 [Ohio’s Peoples Bank to expand in Kentucky - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPM3ZFNWp5b1RhcFVOOHVUTWdDczFXaEt6RXFzbDJqaTlHTVluMUNJb21MMUd5bWVPbFRyOVE2akVVdmtnOEw1aTRHb3JhZGJoUElXbURDT1hxcVR1VnBKcmF6UEN0MUpaQkJoeWV4NEh5ejBCVEZ2YUl6WkFQMGVjUHEyZ1ljZnoz?oc=5) · Banking Dive
- 2026-09-04 [Lawson takes president position at Peoples Bank of Kentucky - The Hendersonian](https://news.google.com/rss/articles/CBMikwFBVV95cUxOV0RKX3RINlFkV0JxblJKNEY3blk0YVEwcnlydWo4SVZEQ0FoSG1hQld1WEd0UkItbkViOTZEZVR2blNhcXBCSDFjekJfbi1lLU5YTmxDa2R2bG13OUFBZUwyb1BBMmt5TG9OVjAzeG1uX3dWdFEwcE50UVBESFRyLUNxdXBoUmpaWUg5NlRxdzBONW8?oc=5) · The Hendersonian
- 2026-09-03 [Peoples Bank pledges $45k over 3 years to Bowling Green nonprofit - WBKO](https://news.google.com/rss/articles/CBMinwFBVV95cUxPc3EtbUoxTVZHYWhKR19hYk9OT2xEdE5HMnI5a1dTUGFERzBxQVVBNjBMRkZyeTkyelczX3VQQ0xtemRPQmpKNGZvd1YxYkt4UERiQ0xXcGJoNFB3aW5vZV91NHRXMGV2ZUJiak43Sm1kUHZZU0tyVHZxQXdwLXR4SWtCQjU1azVCVmYzZ0VRanZmRDR6TG54cmczNGVLZVE?oc=5) · WBKO
- 2026-04-21 [People’s Bank moves acquires local Eastern Kentucky bank - WKYT](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdk4wQzhBbmtycHJ6RnhDQ2ZqVl9IR0lLazlXd2VGUzI2MnliMXZEd2tsb3RKTmZ2TWFGcjlTZXcybEdTTWdKMGVYc1AzZkNTWEJYU25neUk1aUE1WUl1eGNmY0lRbF91a1ZYSVA2Q2JKNm4wWkNCZkRCTXpnVzhvR0x5aXpXaGZXcXI3ZmJSTTU1UQ?oc=5) · WKYT
- 2026-06-26 [The Peoples Bank celebrates June Dairy Day - WNKY](https://news.google.com/rss/articles/CBMickFVX3lxTE83WkNHN1NvZ01nZXViOVVWb3JNeGlCdEc5OGJEblNnYTA3dVNqY1hQWWpsWDNvUk9UWEsyS1lXUTFmNzdLV1JPMnZnVkFwSkJCazVoQkhjbTI4VVRMb1B0d1o5VVNNcFpqZ2lSYzlRaTZEZw?oc=5) · WNKY
- 2026-04-23 [Peoples Bancorp: $76.6 Million Acquisition Of Citizens National Expands Kentucky Footprint - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-29 [As Peoples Bancorp Tries Buy and Dump in Kentucky Fair Finance Watch Writes to Warsh - Inner City Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE5mc01HdzB1ZklnOGU1TXRWY3FNdzhHUFJKTHhiT01URmRsQUdJcG84MTltdTdocUdZV2h5dEVPb19BdS1lRnNadU12Ym43R2thZlVIaFliUnBzNDAwVEotNzVhcVR3bFlzVlFudDNmMHNjSGpQSU80?oc=5) · Inner City Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1562 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "1562", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide