# PEOPLES SECURITY BANK
LOUISA, KY · FDIC certificate 9679 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $47.3M | |
| Deposits | $39.9M | |
| Loans and leases | $18.9M | |
| Total equity | $7.0M | |
| Loans / deposits | 46.61% (p15 of band) | 71.36% |
| Liquid assets / assets | 57.57% (p86 of band) | |
| Uninsured deposits / deposits | 6.01% (p18 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.47% (p38 of band) | |
| FHLB advances / assets | 0.47% | |
| Tier 1 leverage | 14.42% (p86 of band) | 10.52% |
| Unrealized securities loss / equity | 3.09% (p84 of band) | 0.17% |
| AOCI / equity | 5.46% (p85 of band) | |
| ROA (annualized) | 0.22% (p14 of band) | 0.81% |
| Net interest margin | 4.06% (p73 of band) | 3.65% |
| Efficiency ratio | 94.81% (p89 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.86% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 12.07% (p44 of band) | |
| Auto loans | $454,000 (2.40% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 27 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling, losing money | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent | capital falling, losing money |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2013-12 | 0 |  | assets shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, expense ratio p90 |  |
| 2014-09 | 0 |  | capital falling, expense ratio p90 |

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

- 2025-11-25 [Pa. bank opens first branch in Lancaster County - PennLive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcjQzTkItazBnbzFwM1M2NnN4Vnh1RXhQbHB4UGtyUnFuWW5sdTlzSUNHaXFuWlhJTDdZMXVFQUpNN0hsN1B0WERZYnhnMC1tR2gyREFBeGtQMGgtRkNYNmk4ZUdVV1J2anc2UWVWYlI2X3dDLWJRMWlPSnpCUzlwM0VlTGhaVkd3cnZwclZqTjU5Zi1UWDBaNg?oc=5) · PennLive.com
- 2024-01-04 [Shareholder lawsuit against FNCB, DeNaples claims incomplete financials given on merger with Peoples bank - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOWXFTVTNGcHUyV0VQa0U1dHVXWVV3elhfY2QwU013b3ZGUE02eEROOC1PN3MtUmJjMkRlSzRHTENXNnV6T0pKcGw5YzR2a0l4Y241M0l2a0U3OWE5SnNwblEyRUNmSDBZam5QTmw5T3piNmpzN3NWemhOQnFxQms3cmJqY3JDRlZ3X2tBdGtpUmVHVFk2OUdJU2dueTFmeE9GazMzRlRua3pjdjhaQ3htSGowcnVQUUZZM2w2Z2FEbERRcmVYd0xVTHFyYTdmSDBYZzlUWUJqWTZPdm9veVVKNjFVMA?oc=5) · Scranton Times-Tribune
- 2022-06-14 [Students Graduate from the University of Success - news.scranton.edu](https://news.google.com/rss/articles/CBMifkFVX3lxTFBYcVVzcm5ZbXAyMFJ5UVBQV1RTOXpWdEdDYzZDMWJ2Nk51eDVLeGNWVEdjQjNzTzhZTEg5N2NiTnlXWUtsdm5oZlhERF9QdU9NdGFFYVhCYzYwR1VtQnhhemtKbFFTa01hUlJPMzFRUE5sMGVIRTJfQmFRWTIyZw?oc=5) · news.scranton.edu
- 2025-08-08 [Local governments asked to show support for black lung bill - The Citizens' Voice](https://news.google.com/rss/articles/CBMiowFBVV95cUxPaUlNTDdUS093N2dGUzFNR1VMMXBoaFhvN3dyZkR6ZG1ZQW5VUElUaERCYklyQ3MtUTJfSXh5dEx0WEVWTG1ZY0FiVTVab3ktdk8tWmZUcnplN2ExZjdWVjVfRldGVUh5OXZSRmRfS3FlVk9FdkpGaFVacTVCa3dBM3h1LWNIaFRrdWNTNDFKcGZhQkhPaHFfN2NWS3pZaW5WcGpN?oc=5) · The Citizens' Voice
- 2024-09-04 [Betty Merritt Hager Obituary (2024) - Louisa, KY - Wilson Funeral Home - Louisa - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBwYUJaTDN2R0NJTkdVOU40ZkdsY2tzMmFNeDZ4MFEwX2ZEWWV1aFhsYmFOUGNLZFJDRS1FNndsTVJMMm1pZGdsSTFGelBmd1JNaEdvQm4zQ1c2VHcySXM3cU5DVjZ0RVRONlpCbHlDZHhYS0pNYU9aUzNoS3hpd00?oc=5) · legacy.com
- 2018-09-01 [Mr. and Mrs. Adam Bisignani - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMiekFVX3lxTE9xZ3hzZXMwMGJBTDlNc1NuV25id0pkYTdOLUFIVzVtQ0R3THlQZHQzT0VhenVLWHB1M2Y1Z0hVYVhiR3VzRVU2Q3ZlQXFpdUhkWlB4aHdzb2NnS3ZoUGNmd0dVdm1KVmItUjFLTnZGdjRPMG5NV1dCd2R3?oc=5) · Scranton Times-Tribune
- 2025-09-27 [John Lee Burton Jr. Obituary (2025) - Louisa, KY - Wilson Funeral Home - Louisa - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5mMDZyUnphR1E0OGRrWVNsenFtd2dyUHN3V2xWRFFRcjUwZ1pyQ3lGd3JZQVJiNlVla1k0TkhzRUNzU25lc0xqczdZMWttQm53U2pjdkJkZGhranM3YTJ5d0lKZnU4T3FZb2JuSThVVnNEMmNLTGJ2RGxrTUV0d3M?oc=5) · legacy.com
- 2024-11-07 [Joseph Edward Burton Obituary (2024) - Louisa, KY - Wilson Funeral Home - Louisa - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZGNONjBMY3Rmc3JQTmN2MEJ1LVV1cEttUUlTZ2tVVGxqRFFMX3FMY3dKWHM0djc5blo2cUlCTGJxYjNKYTRhOFlBQmxDMEZQY3FBMkE2U05NMEpveTNWVUdDVHNNVHlIWDAxNE84endWdkhUOV9wc0kwWWVGZkE2bXFn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9679 (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/15.json (key "9679", 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