Bank · FDIC insured
Peoples Bank of Kentucky
A $564.9M bank headquartered in Flemingsburg, KY, with 12 branches in Kentucky. Best rates: CDs 4.25% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs600.75%for 31–60 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Peoples Bank of Kentucky
- Headquarters
- 106 S Main Cross St, Flemingsburg, KY 41041
- FDIC certificate
- 16970 ↗
Branches
12 branches in Kentucky
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Kentucky
12 branches
Flemingsburg area · 4
- Peoples Bank of Kentucky, Inc.Main office106 S Main Cross St, Flemingsburg, KY 41041Directions
- Drive-In Branch202 E Water St, Flemingsburg, KY 41041Directions
- Morehead Road Branch6925 Morehead Rd, Flemingsburg, KY 41041Directions
- Windsor Branch197 Windsor Rd, Flemingsburg, KY 41041Directions
Mount Sterling area · 2
- Silver Creek Branch202 Bentley Way, Mount Sterling, KY 40353Directions
- Slate Avenue Branch43 Slate Ave, Owingsville, KY 40360Directions
Hillsboro area · 1
- Hillsboro Branch7537 Hillsboro Rd, Hillsboro, KY 41049Directions
Lexington area · 1
- Bluegrass Branch4561 Iron Works Pike, Lexington, KY 40511Directions
Mays Lick area · 1
- Mayslick Branch6588 Us 68, Mays Lick, KY 41055Directions
Maysville area · 1
- Tucker Drive Branch90 Tucker Dr, Maysville, KY 41056Directions
Morehead area · 1
- Cave Run Banking Center Branch2795 Ky Hwy 801 N., Morehead, KY 40351Directions
Tollesboro area · 1
- Tollesboro Branch420 Lions Club Rd, Tollesboro, KY 41189Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.13% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 3.20% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.49% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio11.13%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent3.20%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.49%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Peoples Bank of Kentucky are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.