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Acquisition dossier · FDIC #8122

First & Peoples Bank and Trust Company

Russell, KY · Greenup County · FDIC

$209.3M assets4 officesFIRST&PEOPLES BANCSHARES INC6/6 core metrics available
Acquisition score94Signal: Earnings pressure

Where this bank sits among peers

1,651 same-period banks with 0.5× to 2× this bank’s assets. Selected bank excluded.

View metric table ↓
Return on assets1,648 reported
0127254Up to 0.34%: 151 banks0.34% 0.58%: 108 banks0.58% 0.81%: 192 banks0.81% 1.05%: 254 banks1.05% 1.29%: 209 banks1.29% 1.52%: 236 banks1.52% 1.76%: 163 banks1.76% 2%: 122 banks2% 2.23%: 79 banksFrom 2.23%: 134 banks≤0.1%≥2.47%
Median 1.18%Selected bank -0.56% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.34%151
0.34% to < 0.58%108
0.58% to < 0.81%192
0.81% to < 1.05%254
1.05% to < 1.29%209
1.29% to < 1.52%236
1.52% to < 1.76%163
1.76% to < 2%122
2% to < 2.23%79
≥ 2.23%134

Full range: -24.68% to 20.53%. 3 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 2 / 100. Larger values are not necessarily better.

Net interest margin1,651 reported
0119238Up to 2.93%: 156 banks2.93% 3.19%: 126 banks3.19% 3.46%: 185 banks3.46% 3.72%: 214 banks3.72% 3.99%: 228 banks3.99% 4.25%: 238 banks4.25% 4.52%: 181 banks4.52% 4.78%: 111 banks4.78% 5.05%: 91 banksFrom 5.05%: 121 banks≤2.66%≥5.31%
Median 3.89%Selected bank 2.99%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 2.93%156
2.93% to < 3.19%126
3.19% to < 3.46%185
3.46% to < 3.72%214
3.72% to < 3.99%228
3.99% to < 4.25%238
4.25% to < 4.52%181
4.52% to < 4.78%111
4.78% to < 5.05%91
≥ 5.05%121

Full range: 0.58% to 95.71%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 11 / 100. Larger values are not necessarily better.

Efficiency ratio1,651 reported
0125249Up to 46.57%: 169 banks46.57% 51.74%: 124 banks51.74% 56.91%: 202 banks56.91% 62.08%: 249 banks62.08% 67.25%: 241 banks67.25% 72.42%: 190 banks72.42% 77.59%: 151 banks77.59% 82.76%: 107 banks82.76% 87.93%: 81 banksFrom 87.93%: 137 banks≤41.4%≥93.1%
Median 63.8%Selected bank 112.1% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 46.57%169
46.57% to < 51.74%124
51.74% to < 56.91%202
56.91% to < 62.08%249
62.08% to < 67.25%241
67.25% to < 72.42%190
72.42% to < 77.59%151
77.59% to < 82.76%107
82.76% to < 87.93%81
≥ 87.93%137

Full range: 2.7% to 448.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 99 / 100. Larger values are not necessarily better.

Equity to assets1,651 reported
0155310Up to 7.55%: 190 banks7.55% 8.69%: 212 banks8.69% 9.84%: 310 banks9.84% 10.98%: 273 banks10.98% 12.13%: 208 banks12.13% 13.27%: 127 banks13.27% 14.42%: 97 banks14.42% 15.56%: 81 banks15.56% 16.7%: 39 banksFrom 16.7%: 114 banks≤6.4%≥17.85%
Median 10.2%Selected bank 7.4%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 7.55%190
7.55% to < 8.69%212
8.69% to < 9.84%310
9.84% to < 10.98%273
10.98% to < 12.13%208
12.13% to < 13.27%127
13.27% to < 14.42%97
14.42% to < 15.56%81
15.56% to < 16.7%39
≥ 16.7%114

Full range: 0.8% to 94.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 11 / 100. Larger values are not necessarily better.

Uninsured deposits1,651 reported
0126252Up to 12.25%: 223 banks12.25% 16.06%: 189 banks16.06% 19.87%: 252 banks19.87% 23.67%: 233 banks23.67% 27.47%: 236 banks27.47% 31.28%: 175 banks31.28% 35.08%: 114 banks35.08% 38.89%: 70 banks38.89% 42.69%: 50 banksFrom 42.69%: 109 banks≤8.45%≥46.5%
Median 22.5%Selected bank 15.5%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 12.25%223
12.25% to < 16.06%189
16.06% to < 19.87%252
19.87% to < 23.67%233
23.67% to < 27.47%236
27.47% to < 31.28%175
31.28% to < 35.08%114
35.08% to < 38.89%70
38.89% to < 42.69%50
≥ 42.69%109

Full range: 0% to 99.7%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 23 / 100. Larger values are not necessarily better.

Noncurrent loans1,651 reported
0378755Up to 0.33%: 755 banks0.33% 0.65%: 270 banks0.65% 0.98%: 156 banks0.98% 1.3%: 111 banks1.3% 1.63%: 81 banks1.63% 1.96%: 62 banks1.96% 2.28%: 50 banks2.28% 2.61%: 36 banks2.61% 2.93%: 23 banksFrom 2.93%: 107 banks≤0%≥3.26%
Median 0.4%Selected bank 17.16% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.33%755
0.33% to < 0.65%270
0.65% to < 0.98%156
0.98% to < 1.3%111
1.3% to < 1.63%81
1.63% to < 1.96%62
1.96% to < 2.28%50
2.28% to < 2.61%36
2.61% to < 2.93%23
≥ 2.93%107

Full range: 0% to 9.72%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 100 / 100. Larger values are not necessarily better.

Custom asset cohort, not official UBPR peers. At least five reported observations required per metric.

Reported facts, not a recommendation

Operating evidence

6 / 6 available
Same-period comparisons. Changes in basis points; 100 bp = 1 percentage point.
MetricReportedQoQYoYPeer medianValue percentileValid peers
Earnings-0.56%+12 bp+202 bp1.18%2 / 1001648
Earnings2.99%+22 bp+45 bp3.89%11 / 1001651
Earnings112.10%N/AN/A63.80%99 / 1001651
Capital7.40%-70 bp+80 bp10.20%11 / 1001651
Franchise15.50%N/AN/A22.50%23 / 1001651
Credit17.16%N/AN/A0.40%100 / 1001651
Peer definition, reporting period and interpretation

Custom asset cohort: active banks with 0.5× to 2× this bank’s assets in the same reporting period, excluding this bank. The cohort has 1651 institutions. Each metric excludes missing values; fewer than five valid peers suppresses the median and percentile. This is not an official UBPR peer group.

A higher percentile means a larger value, not a better bank. Ties use midrank. Equity/assets is not a regulatory capital ratio. ROA and margin retain the provider’s reported definitions; quarter changes compare reported ratios, not standalone quarterly earnings.

Financial period: 2026-03-31. Missing periods remain N/A. Source: Call Report financials via FDIC.

Questions to take into diligence
  • Return on assets: Separate recurring earnings from one-off items before setting a valuation.
  • Net interest margin: Review deposit repricing and asset yields to test earnings durability.
  • Efficiency ratio: Validate achievable cost savings and the integration expense required.
  • Equity to assets: Test closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.
  • Uninsured deposits: Review depositor concentration, retention and liquidity under runoff assumptions.
  • Noncurrent loans: Inspect loan-level losses, reserves and collateral before accepting a credit mark.
Diligence considerations

Factors to review

1

Uninsured depositsReview depositor concentration, retention and liquidity under runoff assumptions.

Diligence priorities

1

Efficiency ratioValidate achievable cost savings and the integration expense required.

2

Noncurrent loansInspect loan-level losses, reserves and collateral before accepting a credit mark.

3

Equity to assetsTest closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.

Franchise footprint

4 reported branches

$196.5M branch deposits
  1. 1
    First & Peoples Bank And Trust CompanyRussell, KY · Greenup
    $80.5MDeposits
  2. 2
    Greenup BranchGreenup, KY · Greenup
    $48.9MDeposits
  3. 3
    South Shore BranchSouth Shore, KY · Greenup
    $41.6MDeposits
  4. 4
    Flatwoods BranchFlatwoods, KY · Greenup
    $25.6MDeposits

Evidence timeline

Structure changes and public-company filings

1 linked records
FDIC structureChange in Physical Location (FO or BR)