FDIC Cert #8785 · Winchester, Kentucky · Est. 1912

Peoples Exchange Bank - FDIC Bank Health Profile

A community-scale look at Peoples Exchange Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$615M
Total assets
B
Health grade · Good
1.07%
Return on assets
9.5%
Tier 1 capital

Data updated July 2026

The verdict

Peoples Exchange Bank earns a PlainBankData health grade of B (66/100), with 9.54% Tier 1 capital, profitable at 1.07% ROA, 65% efficiency ratio.

#1,544
largest of 4,313 FDIC banks by assets
64th
percentile by asset size, nationally
9.54%
Tier 1 ratio - below the 10% well-capitalized line
48th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8785 · KY B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3383/4307
  • PHOTO-FINISH First Trust and Savi… · IA
  • TIER1-ADEQ 9.5% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-PAR 1.07% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: First Trust and Savings Bank, IA (±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 Peoples Exchange Bank

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

Morgan Stanley Bank,… · UT ·…100/100Calhoun County Bank,… · WV ·…66/100Citizens Bank of Rog… · MO ·…66/100First Trust and Savi… · IA ·…66/100Gateway Bank · AR · near66/100Peoples Exchange Bank · KY ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Peoples Exchange Bank · July 2026

What Peoples Exchange Bank's Call Report plate shows

Peoples Exchange Bank (FDIC Cert #8785) carries a PlainBankData health grade of B at 66/100, 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 #3,383 of 4,307. Tier 1 capital prints at 9.54%, missing the 10% well-capitalized line. The Texas Ratio is 0.60%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.07%. Balance-sheet scale is $615M, 1,544th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Trust and Savings Bank (IA), 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 Peoples Exchange Bank

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

Peoples Exchange Bank'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; Peoples Exchange Bank 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 Peoples Exchange Bank's 66/100 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 avg77/10066/100
Peoples Exchange Bank's composite health score
Tier 1 Capital Ratio (9.54%) 18/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (0.60%) 20/20
Efficiency Ratio (64.68%) 8/15

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

Balance sheet at a glance

Total Assets

$615M

Total balance-sheet footings

Total Deposits

$531M

Customer-funded liabilities

Net Loans

$492M

Outstanding loan book

Net Income

$6M

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.) 8.14% 9.54% 10.94%
Basel III capital ratios - Peoples Exchange Bank

Where Peoples Exchange Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Exchange Bank's score of 66/100 falls in the highlighted band.

Peoples Exchange Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 21st percentile higher than 21% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 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. Peoples Exchange Bank 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

Peoples Exchange Bank'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). Peoples Exchange Bank's $615M falls in the highlighted band.

Safety ratios for Peoples Exchange Bank

Tier 1 capital ratio
Well-capitalized 10%

9.54% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.54%
Texas Ratio
0.60%
Equity Capital
$56M

What these ratios mean →

Earnings posture at Peoples Exchange Bank

Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
11.87%
Efficiency Ratio
64.68%

What these mean →

Income & expense at Peoples Exchange Bank

$33M
Interest Income
$4M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples Exchange Bank reports a Texas Ratio of 0.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Peoples Exchange Bank 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 ($615M here), outside Kentucky so the neighborhood is not state containment.

The First National Bank of East Texas $615M · TX CS Bank $614M · AR The Bank of Marion $614M · VA Andrew Johnson Bank $614M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Exchange Bank (FDIC Cert #8785) - 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.

Peoples Exchange Bank 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%