This institution is no longer active

Operations ceased on October 2, 2000. CRA examination history below reflects the period it was active.

PEOPLES COMMERCIAL BANK

WINCHESTER, KY · Supervised by FDIC

Est. 1923FDIC #8,766RSSD: FDIC-8766

Part ofAREA BANCSHARES CORP→ View all charters

Outstanding Same

Current rating · Exam: December 1998

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.81%

Is this bank safe?

PEOPLES COMMERCIAL BANK earned an Outstanding CRA rating (1998), is financially strong (ROA +1.81%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

Broadway And Maple Streets, WINCHESTER, KY

County

Clark County

Established

January 1, 1923

Total Assets

$144M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2000Call Report / FDIC

Total Assets

$144M

Total Deposits

$122M

Net Loans

$108M

Net Income

$2M

ROA

1.81%

Above avg for Small banks. Peer avg: 0.44%

ROE

24.71%

Risk-Based Capital

12.12%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.81%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.12%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 1998	Outstanding	Small Bank
May 1996	Outstanding	Small Bank
Nov 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1992

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/peoples-commercial-bank"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: