Peoples Exchange Bank

BankWinchester, Kentucky
www.pebank.com

Total Assets

$614.5M

Total Deposits

$530.8M

Branches

9

Established

1912

TFS Health Grade

$
D+

69.0 / 100

Below average financial health

How we grade

Peoples Exchange Bank is a bank headquartered in Winchester, Kentucky, established in 1912. With $614.5M in total assets and 9 branch locations, it has a TFS Financial Health Grade of D+ (69.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.54%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.07%

Profitability

Return on Assets (ROA)
1.07%(1%)
Return on Equity (ROE)
11.87%(10%)
Net Interest Margin
3.96%
Efficiency Ratio
64.68%(60%)

Lending & Liquidity

Total Loans
$498.1M
Loan-to-Deposit Ratio
92.73%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+10.86%
Deposit Growth (YoY)
+15.30%
Net Income
$6.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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