The Peoples Bank

Headquarters: Taylorsville, Kentucky
Charter: Bank
Assets: $145.0M
Fed district: St. Louis
Regulator: FDIC
Holding company: Lake Valley Bancorp Inc.

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026

How these figures are measured

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) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: FFIEC call report (bulk data)
Entity: The Peoples Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
The Peoples Bank: $10
The Peoples Bank: $10
U.S. median: no median
Overdraft (OD)
The Peoples Bank: $30
The Peoples Bank: $30
U.S. median: no median
NSF / Returned Item
The Peoples Bank: $30
The Peoples Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 9.5% from Q3 2025 to Q2 2026, to $38K.

Service-charge income, Q2 2026

$38K

$42KQ3 2025

$40KQ4 2025

$39KQ1 2026

$38KQ2 2026

Against the median

The Peoples BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$139M to $150M in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3 (43%) above the median of similar-sized banks.

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

The Peoples BankPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Peoples Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $38K
vs prior quarter: −$1K−2.6%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$6K−13.6%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: The Peoples Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Peoples Bank’s own schedules, with a source for each figure.

Account Maintenance

Service charge$10
per month
Minimum balance fee$2
per month
Service Dormant Account Fee: Fees$5
per month
Service Account Research: Fees$40
Not compared: Charged per hour; comparison unavailable
per hour
Service Statement Reconciling Assistance: Fees$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Service Overdraft Fee: Fees$30
per item
Service Return Item Fee: Fees$30
per item

ATM & Card

Service Foreign ATM Transactions: Fees$1.50
Service Replacement Debit Card: Fees$12

Wire Transfers

Service Outgoing Domestic Wire Transfers: Fees$20
Service Incoming Domestic Wire Transfers: Fees$15
Service Outgoing International Wire Transfers: Fees$55
Service Incoming International Wire Transfers: Fees$50

Check Services

Service Official Check (Customer): Fees$5
Service Stop Payment: Fees$30
Service Check Cashing (Customer): FeesNo charge
Service Collection Items: Fees$10

Cash & Deposit

Service Returned Deposited Items/Chargeback Fee: Fees$5

Account Services

Service Notary Fee: FeesNo charge
Service Safe Deposit Box - Annual Rent - 10x10: Fees$50
per year
Service Safe Deposit Box - Annual Rent - 3x10: Fees$25
per year
Service Safe Deposit Box - Annual Rent - 3x5: Fees$15
per year
Service Safe Deposit Box - Annual Rent - 5x10: Fees$30
per year
Service Safe Deposit Box - Annual Rent - 5x5: Fees$20
per year
Service Safe Deposit Box - Drilling Box: Fees$130
Not compared: Box drilling or key fee
Service Safe Deposit Box - Replacing Lost Key: Fees$25
Not compared: Box drilling or key fee
Service Attachments/Levys/Garnishments: Fees$75
per item

Other Fees

Service Fax: Fees$3

Fee	Amount	Basis	Note
Account Maintenance
Service charge	$10	per month	None
Minimum balance fee	$2	per month	None
Service Dormant Account Fee: Fees	$5	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	$30	per item	None
Service Return Item Fee: Fees	$30	per item	None
ATM & Card
Service Foreign ATM Transactions: Fees	$1.50	Not stated	None
Service Replacement Debit Card: Fees	$12	Not stated	None
Wire Transfers
Service Outgoing Domestic Wire Transfers: Fees	$20	Not stated	None
Service Incoming Domestic Wire Transfers: Fees	$15	Not stated	None
Service Outgoing International Wire Transfers: Fees	$55	Not stated	None
Service Incoming International Wire Transfers: Fees	$50	Not stated	None
Check Services
Service Official Check (Customer): Fees	$5	Not stated	None
Service Stop Payment: Fees	$30	Not stated	None
Service Check Cashing (Customer): Fees	No charge	Not stated	None
Service Collection Items: Fees	$10	Not stated	None
Cash & Deposit
Service Returned Deposited Items/Chargeback Fee: Fees	$5	Not stated	None
Account Services
Service Notary Fee: Fees	No charge	Not stated	None
Service Safe Deposit Box - Annual Rent - 10x10: Fees	$50	per year	None
Service Safe Deposit Box - Annual Rent - 3x10: Fees	$25	per year	None
Service Safe Deposit Box - Annual Rent - 3x5: Fees	$15	per year	None
Service Safe Deposit Box - Annual Rent - 5x10: Fees	$30	per year	None
Service Safe Deposit Box - Annual Rent - 5x5: Fees	$20	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	$75	per item	None
Other Fees
Service Fax: Fees	$3	Not stated	None

Correct a fee source

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.

Branches and public record

Where The Peoples Bank operates, and what regulators and customers have on file.

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

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