This institution is no longer active

Operations ceased on July 1, 1994. CRA examination history below reflects the period it was active.

PEOPLES BANK AND TRUST COMPANY

MADISONVILLE, KY · Supervised by FDIC

Est. 1901FDIC #269RSSD: FDIC-269

Part ofCNB BANCSHARES INC→ View all charters

Outstanding

Current rating · Exam: February 1993

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

149 South Main Street, MADISONVILLE, KY

County

Hopkins County

Established

August 1, 1901

Total Assets

$145M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 33 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 1994Call Report / FDIC

Total Assets

$145M

Total Deposits

$115M

Net Loans

$75M

Net Income

$934K

ROA

1.27%

ROE

14.95%

Risk-Based Capital

18.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.39%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,094	85.92%	5.39%
2023	903	83.83%	4.43%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

This is the only examination on record for this bank.

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