FDIC Cert #8122 · Russell, Kentucky · Est. 1932

First & Peoples Bank and Trust Company - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$206M
Total assets
F
Health grade · At Risk
-0.68%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

First & Peoples Bank and Trust Company earns a PlainBankData health grade of F (18/100), with 9.31% Tier 1 capital, -0.68% ROA, 109% efficiency ratio.

#2,965
largest of 4,313 FDIC banks by assets
31st
percentile by asset size, nationally
9.31%
Tier 1 ratio - below the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 8122 · KY F · 18/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-WATCH · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-F F (18/100)
  • BOTTOM-DECILE #4300/4307
  • PHOTO-FINISH Columbia Savings and… · WI
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-WATCH 78.9% Texas
  • ROA-LOSS -0.68% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Columbia Savings and Loan Association, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First & Peoples Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100The Peoples Bank · MD · near20/100Columbia Savings and… · WI ·…18/100First & Peoples Bank… · KY ·…18/100Nano Banc · CA · near18/100Walden Mutual Bank · NH · ne…18/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First & Peoples Bank and Trust Company · July 2026

What First & Peoples Bank and Trust Company's Call Report plate shows

First & Peoples Bank and Trust Company (FDIC Cert #8122) carries a PlainBankData health grade of F at 18/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,300 of 4,307. Tier 1 capital prints at 9.31%, missing the 10% well-capitalized line. The Texas Ratio is 78.94%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -0.68%. Balance-sheet scale is $206M, 2,965th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Columbia Savings and Loan Association (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First & Peoples Bank and Trust Company

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

First & Peoples Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First & Peoples Bank and Trust Company remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How First & Peoples Bank and Trust Company's 18/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10018/100
First & Peoples Bank and Trust Company's composite health score
Tier 1 Capital Ratio (9.31%) 18/40
Return on Assets (ROA) (-0.68%) 0/25
Texas Ratio (78.94%) 0/20
Efficiency Ratio (108.89%) 0/15

18 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$206M

Total balance-sheet footings

Total Deposits

$189M

Customer-funded liabilities

Net Loans

$86M

Outstanding loan book

Net Income

$-1,421K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.91% 9.31% 10.71%
Basel III capital ratios - First & Peoples Bank and Trust Company

Where First & Peoples Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First & Peoples Bank and Trust Company's score of 18/100 falls in the highlighted band.

First & Peoples Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

18 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). This entry sits in this band. 20–30: 26 FDIC-insured banks (1%). Above this entry. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First & Peoples Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First & Peoples Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First & Peoples Bank and Trust Company's $206M falls in the highlighted band.

Safety ratios for First & Peoples Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

9.31% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.31%
Texas Ratio
78.94%
Equity Capital
$17M

What these ratios mean →

Profitability metrics: First & Peoples Bank and Trust Company

Return on Assets (ROA)
2nd percentile nationally
-0.68%
Return on Equity (ROE)
-9.68%
Efficiency Ratio
108.89%

What these mean →

Income & expense: loss period at First & Peoples Bank and Trust Company

$8M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First & Peoples Bank and Trust Company reports a Texas Ratio of 78.94% - elevated, troubled assets are consuming a meaningful share of capital and reserves.

Texas Ratio
Caution 50%

78.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First & Peoples Bank and Trust Company

First & Peoples Bank and Trust Company's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 78.94% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. The bank reported negative net income of $-1,421K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.31% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First & Peoples Bank and Trust Company up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View First & Peoples Bank and Trust Company on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($206M here), outside Kentucky so the neighborhood is not state containment.

Horizon Financial Bank $206M · ND Wadena State Bank $206M · MN Valley Bank of Kalispell $206M · MT Commonwealth Co-operative Bank $205M · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First & Peoples Bank and Trust Company (FDIC Cert #8122) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First & Peoples Bank and Trust Company Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%