Peoples Exchange Bank is a bank based in Winchester, Kentucky, established in 1912, with $627 million in total assets across 9 branches. By Trust Grade it ranks 58th of 120 banks we track in Kentucky. Its capital ratio of 9.2% trails most similarly sized banks (32th percentile), versus a Kentucky median of 9.6%. It was profitable over the most recent period, with a 1.22% return on assets. No consumer complaints against Peoples Exchange Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Peoples Exchange Bank compares to Kentucky peers
How we graded Peoples Exchange Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.2% capital ratio)
- Strongly profitable (ROA 1.22%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Peoples Exchange Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 901 Richmond Rd, Lexington, KY 40502
- Highways 52 And 11, Beattyville, KY 41311
- 175 Brooks Place Way, Winchester, KY 40391
- 560 Indian Mound Dr, Mount Sterling, KY 40353
- 53 E Pendleton St, Stanton, KY 40380
- 923 S Broadway St, Georgetown, KY 40324
- 101 N Main St, Winchester, KY 40391
- 541 Buttermilk Pike, Crescent Springs, KY 41017
- 7620 Dixie Hwy, Florence, KY 41042
Are deposits at Peoples Exchange Bank insured?
Yes. Peoples Exchange Bank is an FDIC-insured bank (FDIC certificate #8785). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Peoples Exchange Bank: frequently asked questions
Is Peoples Exchange Bank a good bank?
Peoples Exchange Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.2% capital ratio); Strongly profitable (ROA 1.22%).
Is Peoples Exchange Bank FDIC-insured?
Yes. Peoples Exchange Bank is a FDIC-insured bank (FDIC certificate #8785). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Peoples Exchange Bank?
Peoples Exchange Bank holds $627 million in total assets, ranking 58th of 120 banks we track in Kentucky. It operates 9 branches.
Does Peoples Exchange Bank have CFPB complaints?
No CFPB complaints against Peoples Exchange Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
