First & Peoples Bank and Trust Company
Russell, KY
IDRSSD: 391418
Total Assets
$204.50M
Latest filing
Total Deposits
$189.09M
Latest filing
Net Interest Margin
2.77%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First & Peoples Bank and Trust Company
1001 Diederich Blvd
Russell, KY 41169
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/28/1932FDIC Certificate 5171
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First & Peoples Bank and Trust Company (Main) | 1001 Diederich Blvd | Russell, KY |
| FLATWOODS BRANCH | 1903 Argillite Rd | Flatwoods, KY |
| GREENUP BRANCH | 401 Main St | Greenup, KY |
| SOUTH SHORE BRANCH | 435 Main St | South Shore, KY |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/28/1932 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41169 |
| State and County Number | 21089 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Huntington-Ashland, WV-KY-OH |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstandpeoplesbank.com |
| Data Updated | 11/14/2025 |
| CERT | 8122 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $204.50M |
| Total Deposits | $189.09M |
| Total Liabilities | $189.90M |
| Total Equity Capital | $14.60M |
| Net Income | $-469,000 |
| Net Loans and Leases | $87.93M |
| Assets Per Employee ($Millions) | $4.54M |
| Bank Premises and Fixed Assets | $1.35M |
| Cash and Balances due from Depository Institutions | $11.39M |
| Deposits Held in Domestic Offices | $189.09M |
Key Performance Ratios
| Return on Assets (ROA) | -0.9% |
| Return on Equity (ROE) | -13.4% |
| Net Interest Margin | 2.77% |
| Efficiency Ratio | 115.11% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.44% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.141% |
| Earning Assets to total Assets | 88.5% |
Income and Expense
| Total Interest Income | $1.94M |
| Total Noninterest Income | $313.00k |
| Total Interest Expense | $668.00k |
| Total Noninterest Expense | $1.82M |
| Net Interest Income | $1.27M |
| Pre-tax Net Operating Income | $-469,000 |
| Provision for Credit Losses | $230.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $803.00k |
| Total Liabilities and Capital | $204.50M |
Securities
| Securities | $86.58M |
| Available-for-sale debt securities | $86.58M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First & Peoples Bank and Trust Company?
$204.50M as of the latest filing.
How much are First & Peoples Bank and Trust Company's total deposits?
$189.09M in total deposits.
Where is First & Peoples Bank and Trust Company located?
Russell, KY.
What is the Net Interest Margin?
2.77%.
How many domestic offices does it operate?
4.
When was it established?
02/28/1932.
What is the Return on Assets (ROA)?
-0.9%.
How much are total loans and leases?
$87.93M (latest filing).
What is the total interest income (latest filing)?
$1.94M.