Peoples Bank Mt Washington Safety Rating
Peoples Bank Mt Washington's safety rating is grade A, a Bank Health Score of 96/100 built from FDIC call report data. That ranks #265 out of 3,960 FDIC-insured banks nationally (top 7%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Peoples Bank Mt Washington's best component is loan quality (100/100) and its weakest is profitability (85/100).
This page answers a common banking-safety question: Peoples Bank Mt Washington Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Peoples Bank Mt Washington Safety Rating Breakdown
- Overall rating
- Grade A (96/100)
- National rank
- #265 of 3,960
- Tier 1 capital (35%)
- 93/100
- Loan quality (30%)
- 100/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 85/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Peoples Bank Mt Washington among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 7% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.09% | 93/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 35.06% | 100/100 |
| Return on Assets | 1.62% | 85/100 |
| Total Assets | $0.1B | |
How does Peoples Bank Mt Washington compare?
With a Bank Health Score of 96/100, Peoples Bank Mt Washington sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Kentucky, where 103 FDIC-insured banks are headquartered, Peoples Bank Mt Washington ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 14.09% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Peoples Bank Mt Washington's Bank Health Score held roughly steady at 96/100. Tier 1 capital was essentially flat at 14.09%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
Peoples Bank Mt Washington's safety rating is grade A, a Bank Health Score of 96/100 built from FDIC call report data. That ranks #265 out of 3,960 FDIC-insured banks nationally (top 7%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Peoples Bank Mt Washington's best component is loan quality (100/100) and its weakest is profitability (85/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Peoples Bank Mt Washington: Tier 1 capital scores 93/100, loan quality 100/100, liquidity 100/100, and profitability 85/100 — combining to 96/100 (grade A).
Peoples Bank Mt Washington's Bank Health Score of 96/100 is 24.0 points above the Kentucky state average of 72/100. 103 FDIC-insured banks are headquartered in Kentucky.
Yes. Peoples Bank Mt Washington (FDIC certificate #5847) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Peoples Bank Mt Washington
Peoples Bank Mt Washington's safety rating is grade A, a Bank Health Score of 96/100 built from FDIC call report data. That ranks #265 out of 3,960 FDIC-insured banks nationally (top 7%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Peoples Bank Mt Washington's best component is loan quality (100/100) and its weakest is profitability (85/100).