Peoples Bank of Kentucky
- Company typePrivate
- Founded1906
- HeadquartersFlemingsburg, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
Peoples Bank of Kentucky firmographics
Firmographics- Name
- Peoples Bank of Kentucky
- Legal name
- Peoples Bank of Kentucky, Inc.
- Website
- https://peoplesbankofky.com
- Company type
- Private
- Founded year
- 1906
- Operating status
- Operating
- Ownership category
- akta.pro rank
Peoples Bank of Kentucky industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Agricultural & Rural Development Banks (FSABAKAE)
Keywords
Where Peoples Bank of Kentucky is headquartered
LocationHeadquarters
- HQ city
- Flemingsburg
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
Peoples Bank of Kentucky business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Loans: Primary revenue from interest earned on loan portfolio including personal loans, mortgages, business loans, and agricultural loans. Total loan portfolio of $398,717,484 as of December 31, 2025.
- Deposit Services: Revenue from deposit accounts including checking, savings, CDs, and retirement accounts. Total deposits of $467,208,365 as of December 31, 2025.
- ATM Transaction Fees: Fees charged for non-Peoples Bank ATM transactions at $1.50 per transaction
- Account Service Charges: Monthly maintenance fees and service charges on various account types including business checking, savings, and other banking services
- Credit Card Services: Revenue from Visa credit card program through partnership with third-party credit card service provider
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Checking - $5 monthly fee, $100 minimum balance |
| Subscription | Monthly | Commercial Interest-Bearing Checking - $13 monthly fee, $1,000 minimum balance |
| Subscription | Monthly | Peoples Advantage Checking - $7 monthly fee, $100 minimum balance |
| Subscription | Monthly | Peoples Advantage Plus Checking - $6 monthly fee |
| Subscription | Monthly | Peoples 50 Checking - No monthly service charge |
| Subscription | Monthly | Peoples 50 Gold - $4 monthly fee |
| Freemium | Monthly | Peoples Student Checking - No monthly service charge with e-statements |
| Subscription | Annual | Certificates of Deposit - 0.10% to 4.05% APY |
| Subscription | Annual | Individual Retirement Accounts - 1.00% APY for 12 Month Fixed IRA |
| Transaction based/ take rate | Pay-as-you-go | ATM Fees - $1.50 per non-Peoples Bank transaction |
| Subscription | Monthly | Regular Savings - No service charge, interest-bearing |
| Subscription | Monthly | Peoples Choice Money Market - No service charge, tiered interest |
| Subscription | Monthly | Peoples Preferred Savings - $10 quarterly fee, $50 minimum balance |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
Peoples Bank of Kentucky product offering
Product offeringCore offering
Peoples Bank of Kentucky is a community-focused regional bank offering a full suite of personal and business banking products through 12 branch locations and digital channels. Core offerings include deposit accounts (checking, savings, CDs, IRAs), consumer and commercial loan products (vehicle, mortgage, commercial real estate, agricultural), debit and credit cards, and Fiserv-powered online/mobile banking with Zelle P2P payments. The bank serves individuals, small-to-medium businesses, agricultural operators, and government entities across Eastern Kentucky.
Product overview
Peoples Bank of Kentucky is a community bank offering a comprehensive suite of personal and business banking products through both physical branch locations and digital channels. The personal banking portfolio includes multiple checking account tiers (Peoples Advantage Checking, Peoples Advantage Plus Checking, Peoples 50 Checking, Peoples 50 Gold, and Peoples Student Checking), savings options (Regular Savings, Peoples Choice Money Market, Peoples Preferred Savings), CDs and IRAs, personal loans (vehicle, recreational, unsecured), home mortgages, Visa credit cards, and contactless debit cards with mobile wallet support. The digital banking platform comprises Online Banking, Mobile Banking App, Business Online Banking, and Business Mobile Banking App, complemented by Zelle P2P payments and eStatements. Business banking offerings include Business Checking, Commercial Interest-Bearing Checking, Public Funds accounts, Business Savings, commercial real estate loans, lines of credit, equipment loans, and agricultural loans (farm real estate, operating lines, livestock, equipment). Deposit services include Remote Deposit Capture and Merchant Processing. The bank operates 11 branch locations across Kentucky and provides 24/7 ATM access.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 4.8/5-star customer rating on App Store
- +2 more outcomes
Companies that use Peoples Bank of Kentucky
Customer profileSegments6 records
Ideal customer profiles4 records
Peoples Bank of Kentucky technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature7 records
Peoples Bank of Kentucky partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- ZellecorePartnership with Zelle to provide fast peer-to-peer money transfer services. Customers can send and receive money directly from their accounts using email or mobile number. First enrollment must be done on desktop/laptop device.
- FiservcoreTechnology provider powering online banking platform, mobile banking apps, and account management systems including origination platform for deposit accounts and loans.
- Credit Card CompaniescoreJoint marketing partners for credit card services. Listed in privacy policy as joint marketing partners under the Fair Credit Reporting Act.
- MastercardcoreDebit card network provider for contactless Mastercard debit cards offered with all checking/savings accounts.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Peoples Bank of Kentucky competitors and assessment
Company assessmentBroad incumbents
- PNC Bank: Major regional bank with strong Kentucky presence via retail branches and a digital-first strategy that directly competes for deposit and small business relationships in Eastern Kentucky.
- Huntington Bancshares: Major regional bank with a Midwest/Kentucky retail branch network, full consumer/SME/ag lending suite, and digital capabilities — competes in the same markets but at much larger scale.
- U.S. Bancorp: Top-five U.S. bank with nationwide digital deposit and consumer lending products that increasingly target secondary Kentucky markets — represents the digital competition threat to community bank share.
- Citizens Financial Group: Large regional bank with consumer and commercial banking products overlapping with Peoples Bank's offerings, including digital account opening and small business lending — broader portfolio but competing for the same retail/SME customers.
Regional players
- Republic Bank & Trust Company: Kentucky-headquartered bank with personal and business banking products, but operating at larger scale and with a broader geographic footprint across multiple states — comparable product set with different scale.
Direct peers
- Traditional Bank: Kentucky community bank (Mount Sterling, KY) offering personal, business, and mortgage lending in overlapping Eastern Kentucky counties — a direct geographic and product competitor of similar size.
- Central Bank (Central Bancshares): Lexington, KY-based community bank offering personal, business, and agricultural banking with a comparable deposit-gathering branch model in Central and Eastern Kentucky — strong comparable on customer segmentation.
- Community Trust Bancorp: Kentucky-headquartered community bank holding company with a similar multi-county Eastern Kentucky branch footprint, consumer/SME/agricultural lending mix, and comparable asset size — making it the closest direct geographic and product peer.
- Stock Yards Bank & Trust: Kentucky-Indiana community bank with strong retail, commercial, and wealth management focus; similar relationship-banking model and comparable product mix including consumer and business deposit products.
- Forcht Bank: Kentucky community bank serving individuals, businesses, and ag customers with full-service personal/commercial banking — very similar community-bank positioning and product breadth.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks4 records
Key highlights6 records
Customer concentration
Peoples Bank of Kentucky social profiles
Digital presencePeoples Bank of Kentucky compliance and trust
Trust signalCompliance4 records
Peoples Bank of Kentucky financial estimates
Financial estimateRevenue estimate
Valuation estimate
Peoples Bank of Kentucky leadership team
Management profileNumber of profiles
Profiles21 records
Peoples Bank of Kentucky funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Peoples Bank of Kentucky M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Peoples Bank of Kentucky
What does Peoples Bank of Kentucky do?
Peoples Bank of Kentucky is a community-focused regional bank offering a full suite of personal and business banking products through 12 branch locations and digital channels. Core offerings include deposit accounts (checking, savings, CDs, IRAs), consumer and commercial loan products (vehicle, mortgage, commercial real estate, agricultural), debit and credit cards, and Fiserv-powered online/mobile banking with Zelle P2P payments. The bank serves individuals, small-to-medium businesses, agricultural operators, and government entities across Eastern Kentucky.
Is Peoples Bank of Kentucky a public or private company?
Peoples Bank of Kentucky is a private company. It is classified as corporate owned and is currently operating.
When was Peoples Bank of Kentucky founded?
Peoples Bank of Kentucky was founded in 1906.
Where is Peoples Bank of Kentucky based?
Peoples Bank of Kentucky is headquartered in Flemingsburg, United States, in the North America region.
How does Peoples Bank of Kentucky make money?
Five revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Services, ATM Transaction Fees, account Service Charges and credit Card Services.
Who are Peoples Bank of Kentucky's main competitors?
Broad incumbents on record are PNC Bank, Huntington Bancshares, U.S. Bancorp and Citizens Financial Group. Republic Bank & Trust Company is listed as a regional player. Direct peers are Traditional Bank, Central Bank (Central Bancshares), Community Trust Bancorp, Stock Yards Bank & Trust and Forcht Bank.
Does Peoples Bank of Kentucky have an API?
No public API is recorded for Peoples Bank of Kentucky.
What industry is Peoples Bank of Kentucky in?
Peoples Bank of Kentucky's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6022.