# PEOPLES EXCHANGE BANK
WINCHESTER, KY · FDIC certificate 8785 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $609.8M | |
| Deposits | $522.7M | |
| Loans and leases | $518.3M | |
| Total equity | $59.2M | |
| Loans / deposits | 97.98% (p86 of band) | 82.04% |
| Liquid assets / assets | 11.38% (p8 of band) | |
| Uninsured deposits / deposits | 26.46% (p53 of band) | 25.97% |
| Brokered deposits | 2.81% | |
| Wholesale funding | 6.23% (p64 of band) | |
| FHLB advances / assets | 2.62% | |
| Tier 1 leverage | 9.97% (p33 of band) | 10.81% |
| Unrealized securities loss / equity | -7.09% (p54 of band) | -8.10% |
| AOCI / equity | -0.36% (p49 of band) | |
| ROA (annualized) | 1.26% (p49 of band) | 1.28% |
| Net interest margin | 4.20% (p67 of band) | 3.91% |
| Efficiency ratio | 62.01% (p52 of band) | |
| Noncurrent loans | 0.06% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p59 of band) | |
| Reserve coverage of noncurrent | 1925.23% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 71.42% (p72 of band) | |
| Auto loans | $3.1M (0.60% of loans; DQ 0.74%, NCO 0.00%) | |
| Loans to nondepository financials | $500,000 (1% of equity) (p91 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 97 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2013-12 | 3 | assets shrinking |  |
| 2014-03 | 2 |  | assets shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 | loans exceed deposits | deposits shrinking, uninsured deposits leaving |
| 2014-12 | 0 |  | loans exceed deposits |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 | loans exceed deposits | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | liquid assets <10% |  |
| 2016-03 | 2 | capital falling | liquid assets <10% |
| 2016-06 | 2 |  |  |
| 2016-09 | 0 |  | loans exceed deposits, capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2017-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2017-12 | 2 | loans exceed deposits, capital falling |  |
| 2018-03 | 0 |  | loans exceed deposits, capital falling |
| 2018-06 | 1 | loans exceed deposits |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | loans exceed deposits |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2020-07-24 [Peoples Exchange Bank names new chief financial officer - The Lane Report](https://news.google.com/rss/articles/CBMinwFBVV95cUxPX2x1WlU5Z28xdm5BS1RCbWNBd3hjOXJOdUZvamw1M1h2RXYwV25pd1NDX1ctdlBZYWhiZ19fcmY0ZE5LNmNCd2cyc3J0V3FvakhDX25XMVE5OVZJMlpkSl9vZWdlaHJwYWNfa0dGQWJrTmV6bGdSVkhaaTZnQ25ZbUVmTU9KMkJQSlBqYV9kZVZsblEzcWdubTROTTVWcEk?oc=5) · The Lane Report
- 2024-02-14 [Press release: Dottie Dawson joins Peoples Exchange at Northern Kentucky branch - LINK nky](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPU3NRQzduZmFKSXQ2NFFUMGVaSEJNcFZFVjZ5THc4ZkVZTlJjdW1NYTlhM2Z1U3N6NHNNSDlqc1JnQ0wyZHYwWENadWpxSXRuSGFKdFFFczBjU2pFTm02TnhHX256SjZIQWlGd3hWeGVBN01IZFN4d0tqR2h0ZHFBcFlCWERDd0gxNUhMMkZxTDRfOUVVdS03djBSSEhqUUtyLXEycTRxd0Rna3NuTnNLT05ZRHY5QkRnU0dyRVZMQmFVVmM?oc=5) · LINK nky
- 2018-02-01 [Omohundro named VP of commercial lending at Peoples Exchange Bank - Winchester Sun](https://news.google.com/rss/articles/CBMipgFBVV95cUxNSWl3eDgteFFPSnVkLWVIRzd0MWNsU0RybVZFT0JmeVN6aG5ZQU91b1o2NmpnMDREbDY3UTJCQ0UzY1RQZjZxRVFENEJVSzBxZXFUc214RWlIdFhwX0xwM09GS1FQSFFlWG5FQlBLXy1CVDRNWE1jbEd1NEhaWW9od2h6b0RvYkZ1MGQzbV9kQTlwelAxUWZkZThsVzV0dldKeDFCckZB?oc=5) · Winchester Sun
- 2018-01-11 [Parrish promoted to CEO at Peoples Exchange Bank - Winchester Sun](https://news.google.com/rss/articles/CBMijwFBVV95cUxNZ2V2X2xtMWtWUUJnQnFFVTZNcERNYTY2dF9vTlFHMGEtUzA4VURwekhDM1VsQ19OVWtZVWRUYWVWMzJRN2owOExxT0JEMnZLNGJ0TThJc3F2M1BOX3BadHFDQm14MEVKWXIxYkNiUDVrbzdSQ2lLY1MzVTdfejZ6RUVqSk52Q2hncndGVjdWbw?oc=5) · Winchester Sun
- 2021-12-22 [Obituary information for Carl Coleman Norton - Scobee Funeral Home](https://news.google.com/rss/articles/CBMihAFBVV95cUxPdVNnRHBnelhTSS12c0RRLTM5dTdfRzQ3dWhNWlFHMVdmOW01T2plcjJkeHAwOTltek1HTFcxTjZXcktkaHpkTi1hR0VEeGhKdGJvQmZNaS1sN3hMMi1ST2p5MFFOTEN4cUxzd09TLUhMYy0yTHBLQ3BkbmpneXhyWWhxUHM?oc=5) · Scobee Funeral Home
- 2023-05-11 [Gary Lee Willoughby Jr. Obituary (2023) - Georgetown, KY - Johnson's Funeral Home - Georgetown - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxPODdjNjVnNmtVOG1RdFl2NTdyeHE1WWNoS3l0YUtUYnVZNHBPRlpJV1lSS3ZPU2NGTWhVLUlsQ3NBbEF6M05XSmY2YUhaakM1bDh4WkhrU0E4WGtxenp3YWNjbmZieElfaHdhdnhzRUZNUWRubXJGYWJQVXJJVzR1WWwtZVE?oc=5) · Legacy obituary
- 2017-06-19 [Obituary information for John Pherigo Graybill - Scobee Funeral Home](https://news.google.com/rss/articles/CBMihgFBVV95cUxQeVdRY19sNnNscl9sVEQ0U1FiV2hSUjlxQW1YakRoNXJhaHhKNm8yb0FYUWNTRzYyZVU4ZDdzSlhKRWdJMlZLNjJDZ0ZwTERPR1RqOURsLWpUMHRnLXRvYm9PaFI3cFd6VGR0TXp5R0NjeENUd3Q4U2ZCSG1KZGF3WUZNdzA1dw?oc=5) · Scobee Funeral Home
- 2023-02-23 [Charles Skeen Obituary (1942 - 2023) - Paris, KY - Lexington Herald-Leader - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWGp0MHpwU0dJRHhCRUFiNE96clBxUFJaWGYyYUtRMzAxRUQ0WUF0b1o0bVM3bmxGOEZyZmtHSGxtbGVwcDZkd3VXRWREZTVBc0tBT0hiVng5QmZsWm1NTjNMM1k3NDdSLThNdnNqa1lVMEVuMU42TlBObVFWVmdzYXRNT0tKenJpQlhER0FR?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8785 (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/17.json (key "8785", 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.

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