Bank · FDIC insured
Peoples Exchange Bank
A $609.8M bank headquartered in Winchester, KY, with 8 branches in Kentucky. Best rates: CDs 4.50% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.50%CD rates →
- Savings700.10%1.01% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Peoples Exchange Bank
Peoples Exchange Bank is headquartered in Winchester, Kentucky, and has been serving customers since 1912.
- Headquarters
- 101 N Main St, Winchester, KY 40391
- FDIC certificate
- 8785 ↗
Branches
8 branches in Kentucky
Loading map…
Kentucky
8 branches
Lexington area · 4
- Peoples Exchange BankMain office101 N Main St, Winchester, KY 40391Directions
- Georgetown South Broadway Branch923 S Broadway St, Georgetown, KY 40324Directions
- Lexington Main Branch901 Richmond Rd, Lexington, KY 40502Directions
- Winchester Branch175 Brooks Place Way, Winchester, KY 40391Directions
Beattyville area · 1
- Highways 52-11 BranchHighways 52 And 11, Beattyville, KY 41311Directions
Cincinnati area · 1
- Northern Ky Branch7620 Dixie Hwy, Florence, KY 41042Directions
Mount Sterling area · 1
- Mount Sterling Main560 Indian Mound Dr, Mount Sterling, KY 40353Directions
Stanton area · 1
- Stanton Branch53 E Pendleton St, Stanton, KY 40380Directions
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 | 9.97% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.06% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.26% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $99 | $81 | — |
- CapitalLeverage ratio9.97%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.06%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.26%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$99Peers’ 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 Exchange Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.