Compared with Kentucky
6 of 20
compared fees are above the median.
5 below, 9 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
47th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 20 compared; 5 below, 9 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for The Peoples Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Peoples Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.9% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (47th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $38K in Q2 2026, about level with the same quarter a year earlier ($38K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 20 compared published fees sit above the Kentucky median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 9.5% from Q3 2025 to Q2 2026, to $38K. Its share of revenue, 1.9%, is below the 2.1% median for banks with under $300M in assets.
$38K
The Peoples BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
The Peoples Bank · $145M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Peoples Bank(this institution) | Taylorsville, KY | $145M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Pensacola | Pensacola, FL | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Salem | Salem, MO | $147M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Plus | Estherville, IA | $145M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bridge Community Bank | Mount Vernon, IA | $141M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carmine State Bank | Carmine, TX | $149M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers State Bank | Algona, IA | $150M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Trust & Savings Bank | Earling, IA | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Federated Bank | Onarga, IL | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Bank and Trust of Memphis | Memphis, TX | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First State Bank | Belmond, IA | $142M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hyden Citizens Bank | Hyden, KY | $149M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Jonesburg State Bank | Jonesburg, MO | $146M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marion State Bank | Marion, TX | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Miami Savings Bank | Miamitown, OH | $148M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Millbury National Bank | Millbury, MA | $147M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peoples Bank of Wyaconda, Missouri | Kahoka, MO | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Falls State Bank | River Falls, WI | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Bank of Southwest Missouri | Cassville, MO | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sweet Water State Bank | Sweet Water, AL | $150M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The First National Bank in Cimarron | Cimarron, KS | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First State Bank of Rosemount | Rosemount, MN | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Sacramento Deposit Bank | Sacramento, KY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Union Federal Savings and Loan Association | Kewanee, IL | $146M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vermilion Bank & Trust Company | Kaplan, LA | $145M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Plains Bank | Ainsworth, NE | $139M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $7 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for The Peoples Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $38K | −$1K | −2.6% |
| Q1 2026 | $39K | −$1K | −2.5% |
| Q4 2025 | $40K | −$2K | −4.8% |
| Q3 2025 | $42K | +$4K | +10.5% |
| Q2 2025 | $38K | −$5K | −11.6% |
| Q1 2025 | $43K | −$6K | −12.2% |
| Q4 2024 | $49K | +$5K | +11.4% |
| Q3 2024 | $44K | $0 | 0.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, The Peoples Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Peoples Bank by share.
Amounts from The Peoples Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum balance fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Dormant Account Fee: Fees | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Account Research: Fees | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Service Statement Reconciling Assistance: Fees | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Service Overdraft Fee: Fees | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Service Return Item Fee: Fees | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Service Foreign ATM Transactions: Fees | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Service Replacement Debit Card: Fees | $12Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Service Outgoing Domestic Wire Transfers: Fees | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Service Incoming Domestic Wire Transfers: Fees | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Service Outgoing International Wire Transfers: Fees | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Service Incoming International Wire Transfers: Fees | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Service Official Check (Customer): Fees | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Service Stop Payment: Fees | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Service Check Cashing (Customer): Fees | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Service Collection Items: Fees | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Service Returned Deposited Items/Chargeback Fee: Fees | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Service Notary Fee: Fees | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Service Safe Deposit Box - Annual Rent - 10x10: Fees | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Service Safe Deposit Box - Annual Rent - 3x10: Fees | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Service Safe Deposit Box - Annual Rent - 3x5: Fees | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Service Safe Deposit Box - Annual Rent - 5x10: Fees | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Service Safe Deposit Box - Annual Rent - 5x5: Fees | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Service Safe Deposit Box - Drilling Box: Fees | $130Not compared: Box drilling or key fee | Not stated | None |
| Service Safe Deposit Box - Replacing Lost Key: Fees | $25Not compared: Box drilling or key fee | Not stated | None |
| Service Attachments/Levys/Garnishments: Fees | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Other Fees | |||
| Service Fax: Fees | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Peoples Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $132.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 2 | $132.6M |
Louisville/Jefferson County, KY-IN
0.3% of bank deposits, #29 of 43, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| PNC Bank, National Association | 19.2% |
| JPMorgan Chase Bank, National Association | 16.8% |
| Truist Bank | 11.5% |
| Stock Yards Bank & Trust Company | 10.8% |
| Republic Bank & Trust Company | 8.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Louisville/Jefferson County, KY-IN, The Peoples Bank holds 0.3% of bank deposits, #29 of 43, with 2 offices.
441 offices of 67 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 43 institutions shown. $48.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.3% share, 2 offices, #29 of 43
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
103 offices of 26 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.