🏦Bank Scorer

PEOPLES BANK OF KENTUCKY, INC.

FLEMINGSBURG, KY · Supervised by FDIC

Est. 1906FDIC #16,970RSSD: FDIC-16970
Part ofPEOPLES FLEMING CNTY BCORP INC→ View all charters
Satisfactory Up

Current rating · Exam: February 2025

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.95%

Institution Profile

FDIC BankFind

Address

106 S Main Cross St, FLEMINGSBURG, KY

County

Fleming County

Established

April 6, 1906

Total Assets

$558M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
Estimated next exam:Feb 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$558M

Total Deposits

$486M

Net Loans

$389M

Net Income

$-1,310K

ROA

-0.95%

ROE

-8.60%

Risk-Based Capital

16.92%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate15.45%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$442M

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202422075%15.45%
202325377.47%7.91%
202235588.73%3.66%
202126287.4%4.58%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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