|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Peoples Bank of Kentucky Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
Peoples Bank of Kentucky's 9-Month Special Certificate rates are at 4.00%, 13-Month Special Certificate rates are at 3.50%, 12-Month Fixed IRA Certificate rates are at 1.00%, 60-Month Certificate rates are at 0.75%, 24-Month Certificate rates are at 0.65%. MonitorBankRates evaluates the financial stability of Peoples Bank of Kentucky with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.37%. Rates last updated and verified on 09/14/2026. Peoples Bank of Kentucky money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Peoples Bank of Kentucky? Share your experience about Peoples Bank of Kentucky by leaving a review below, or read customer reviews before you decide to use Peoples Bank of Kentucky. Peoples Bank of Kentucky, Inc.
106 S Main Cross St
https://www.peoplesbankofky.com Flemingsburg, KY 41041 
Peoples Bank of Kentucky CD Rates
Financial Health HistoryPeoples Bank of Kentucky’s Texas Ratio rose from 8.44% in Q3 2023 to 20.37% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Peoples Bank of Kentucky is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Peoples Bank of Kentucky rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Peoples Bank of Kentucky's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Peoples Bank of Kentucky
Bank Holding Company
PEOPLES FLEMING CNTY BCORP INC
Address
106 S Main Cross St,
Flemingsburg, KY 41041 · Fleming
Website
https://www.peoplesbankofky.com
FDIC Certificate #
16970
Established
19060406
FDIC Insurance Date
19501227
Domestic Offices
12
Total Branches
12
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB
Overall Health Grade
Score: 85/100
4.6
Excellent
Out of 5.0 Stars
20.37%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.4945%
Return on Equity (ROE)
4.4700%
Non-Performing Loans (NPL)
2.25%
Total Assets
$564,890,000
Total Deposits
$489,323,000
Equity Capital
$62,294,000
Net Income
$1,372,000
Headquarters
Flemingsburg
Total Branches and Offices
12
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Peoples Bank of Kentucky yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Peoples Bank of Kentucky
Frequently Asked Questions About Peoples Bank of KentuckyHow many branches does Peoples Bank of Kentucky operate?Peoples Bank of Kentucky currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Peoples Bank of Kentucky does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Peoples Bank of Kentucky provides members with tools to manage their accounts and build a solid financial history. Does Peoples Bank of Kentucky offer online and mobile banking?Most modern institutions like Peoples Bank of Kentucky provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.peoplesbankofky.com. Current Peoples Bank of Kentucky Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Citizens National Bank Cameron, TX
WestStar Bank
Brighton Bank TN
Five Rivers Bank
American Business Bank
Flatwater Bank
Neighborhood National Bank El Cajon, CA
First State Bank Watonga, OK
Citizens Savings Bank and Trust Company
Citizens Savings Bank Clarks Summit, PA
Ponce Bank
BankIowa
First National Bank of Steeleville
First Southern Bank Columbia, MS
Wyoming Community Bank
Longview Community Bank
Abbeville Building & Loan
Peoples Bank of Greensboro
NorthStar Bank Estherville, IA
First National Bank in Marlow
Security Federal Savings Bank of McMinnville
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
