Peoples Bank of Kentucky, Inc.
Flemingsburg, KY
IDRSSD: 995517
Total Assets
$542.31M
Latest filing
Total Deposits
$467.21M
Latest filing
Net Interest Margin
4.68%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042102788FLEMINGSBURG, KY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples Bank of Kentucky, Inc.
106 S Main Cross St
Flemingsburg, KY 41041
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/06/1906FDIC Certificate 11046
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Peoples Bank of Kentucky, Inc. (Main) | 106 S Main Cross St | Flemingsburg, KY |
| SLATE AVENUE BRANCH | 43 Slate Ave | Owingsville, KY |
| DRIVE-IN BRANCH | 202 E Water St | Flemingsburg, KY |
| HILLSBORO BRANCH | 7537 Hillsboro Rd | Hillsboro, KY |
| MOREHEAD ROAD BRANCH | 6925 Morehead Rd | Flemingsburg, KY |
| TUCKER DRIVE BRANCH | 90 Tucker Dr | Maysville, KY |
| MAYSLICK BRANCH | 6588 Us 68 | Mayslick, KY |
| SILVER CREEK BRANCH | 202 Bentley Way | Mount Sterling, KY |
Showing 7 of 11
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 | 04/06/1906 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41041 |
| State and County Number | 21069 |
| 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 | N/A |
Operational Info
| Number of Employees | 105 |
| Domestic Offices | 12 |
| 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 | 12/27/1950 |
| Primary Insurance Agency | DIF |
| Website | http://www.peoplesbankofky.com |
| Data Updated | 01/30/2026 |
| CERT | 16970 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $542.31M |
| Total Deposits | $467.21M |
| Total Liabilities | $480.47M |
| Total Equity Capital | $61.84M |
| Net Income | $1.57M |
| Net Loans and Leases | $398.72M |
| Assets Per Employee ($Millions) | $5.12M |
| Bank Premises and Fixed Assets | $7.28M |
| Cash and Balances due from Depository Institutions | $56.41M |
| Deposits Held in Domestic Offices | $467.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.17% |
| Return on Equity (ROE) | 10.27% |
| Net Interest Margin | 4.68% |
| Efficiency Ratio | 62.69% |
| Tier 1 Risk-Based Capital Ratio | 15.613% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.404% |
| Earning Assets to total Assets | 93.41% |
Income and Expense
| Total Interest Income | $8.58M |
| Total Noninterest Income | $784.00k |
| Total Interest Expense | $2.70M |
| Total Noninterest Expense | $4.25M |
| Net Interest Income | $5.88M |
| Pre-tax Net Operating Income | $2.11M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $500.00k |
| Federal Funds Purchased and Repurchased Agreement | $9.40M |
| All Other Liabilities | $3.86M |
| Total Liabilities and Capital | $542.31M |
Securities
| Securities | $59.18M |
| Available-for-sale debt securities | $59.18M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples Bank of Kentucky, Inc.?
$542.31M as of the latest filing.
How much are Peoples Bank of Kentucky, Inc.'s total deposits?
$467.21M in total deposits.
Where is Peoples Bank of Kentucky, Inc. located?
Flemingsburg, KY.
What is the Net Interest Margin?
4.68%.
How many domestic offices does it operate?
12.
When was it established?
04/06/1906.
What is the Return on Assets (ROA)?
1.17%.
How much are total loans and leases?
$398.72M (latest filing).
What is the total interest income (latest filing)?
$8.58M.