Peoples Exchange Bank
Winchester, KY
IDRSSD: 129910
Total Assets
$614.54M
Latest filing
Total Deposits
$530.82M
Latest filing
Net Interest Margin
4.10%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042106580WINCHESTER, KY
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples Exchange Bank
101 N Main St
Winchester, KY 40391
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/13/1912FDIC Certificate 5594
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Peoples Exchange Bank (Main) | 101 N Main St | Winchester, KY |
| LEXINGTON MAIN BRANCH | 901 Richmond Rd | Lexington, KY |
| HIGHWAYS 52-11 BRANCH | Highways 52 And 11 | Beattyville, KY |
| WINCHESTER BRANCH | 175 Brooks Place Way | Winchester, KY |
| MOUNT STERLING MAIN | 560 Indian Mound Dr | Mount Sterling, KY |
| STANTON BRANCH | 53 E Pendleton St | Stanton, KY |
| GEORGETOWN SOUTH BROADWAY BRANCH | 923 S Broadway St | Georgetown, KY |
| CRESCENT SPRINGS LPO BRANCH | 541 Buttermilk Pike | Crescent Springs, KY |
Showing 7 of 8
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 | 09/13/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40391 |
| State and County Number | 21049 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | Lexington-Fayette, KY |
Operational Info
| Number of Employees | 92 |
| Domestic Offices | 9 |
| 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.pebank.com |
| Data Updated | 01/30/2026 |
| CERT | 8785 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $614.54M |
| Total Deposits | $530.82M |
| Total Liabilities | $558.06M |
| Total Equity Capital | $56.48M |
| Net Income | $1.73M |
| Net Loans and Leases | $492.22M |
| Assets Per Employee ($Millions) | $6.75M |
| Bank Premises and Fixed Assets | $11.05M |
| Cash and Balances due from Depository Institutions | $36.53M |
| Deposits Held in Domestic Offices | $530.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.13% |
| Return on Equity (ROE) | 12.42% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 62.57% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.19% |
| Earning Assets to total Assets | 94.32% |
Income and Expense
| Total Interest Income | $8.79M |
| Total Noninterest Income | $1.00M |
| Total Interest Expense | $2.88M |
| Total Noninterest Expense | $4.33M |
| Net Interest Income | $5.91M |
| Pre-tax Net Operating Income | $2.24M |
| Provision for Credit Losses | $349.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $483.00k |
| Other borrowed funds | $16.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.00M |
| Federal Funds Purchased and Repurchased Agreement | $4.60M |
| All Other Liabilities | $6.64M |
| Total Liabilities and Capital | $614.54M |
Securities
| Securities | $48.81M |
| Available-for-sale debt securities | $48.81M |
| 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 Exchange Bank?
$614.54M as of the latest filing.
How much are Peoples Exchange Bank's total deposits?
$530.82M in total deposits.
Where is Peoples Exchange Bank located?
Winchester, KY.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
9.
When was it established?
09/13/1912.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$492.22M (latest filing).
What is the total interest income (latest filing)?
$8.79M.