# PEOPLES BANK&TRUST CO
OWENTON, KY · FDIC certificate 8129 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $52.4M | |
| Deposits | $43.7M | |
| Loans and leases | $36.8M | |
| Total equity | $7.9M | |
| Loans / deposits | 81.73% (p62 of band) | 75.62% |
| Liquid assets / assets | 23.95% (p32 of band) | |
| Uninsured deposits / deposits | 9.64% (p22 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.97% (p81 of band) | 11.43% |
| Unrealized securities loss / equity | 1.32% (p65 of band) | 0.53% |
| AOCI / equity | 0.04% (p52 of band) | |
| ROA (annualized) | 0.54% (p27 of band) | 0.92% |
| Net interest margin | 4.49% (p88 of band) | 3.67% |
| Efficiency ratio | 88.42% (p84 of band) | |
| Noncurrent loans | 0.54% (p49 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 547.98% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 4.11% (p28 of band) | |
| Auto loans | $395,000 (1.07% of loans; DQ 10.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 12 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 | securities losses >30% of equity | brokered >10%, wholesale funding >15% |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | losing money, assets shrinking, uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 4 | deposits shrinking | losing money |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 4 | losing money |  |
| 2013-06 | 3 | noncurrent p90 | assets shrinking, losing money |
| 2013-09 | 4 | assets shrinking |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 | uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | uninsured deposits leaving |
| 2015-03 | 0 |  | deposits shrinking, assets shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | uninsured deposits leaving | capital falling |
| 2018-09 | 3 | deposits shrinking, assets shrinking |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | assets shrinking |
| 2019-09 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2019-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2020-03 | 0 |  | deposits shrinking, uninsured deposits leaving |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8129 (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/1.json (key "8129", 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