PB&T Bank
Pueblo, CO · Cert 12594 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Pueblo Bcorp
State charter, non-member · FDIC · 17 branches
Q2 2026
$815.2MAssets
$611.0MLoans
$717.6MDeposits
$87.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets operating in a single state (rank 54 of 746).
- Widest gap: tier 1 capital ratio trails 62% of banks under $1B in assets operating in a single state (rank 466 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.75%
Rank 99 of 746
Net Interest Margin
4.76%
Rank 54 of 746
Efficiency Ratio
59.71%
Rank 278 of 746
Equity / Assets
10.67%
Rank 351 of 746
Non-interest income vs. expense
Unfavorable gap of $19.4M · efficiency ratio beats 63% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.75% | 0.72% | 1.06% | 1.45% | Beats 87% | 99 / 746 | | |
| Return on Equity | 16.39% | 6.74% | 10.51% | 13.63% | Beats 89% | 81 / 746 | | |
| Net Interest Margin | 4.76% | 3.17% | 3.68% | 4.16% | Beats 93% | 54 / 746 | | |
| Efficiency Ratio | 59.71% | 55.74% | 64.58% | 75.47% | Beats 63% | 278 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.42% | 1.07% | Beats 44% | 416 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 59% | 306 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.67% | 11.55% | 13.75% | 17.60% | Beats 38% | 466 / 746 | | |
| Total Risk-Based Capital Ratio | 13.87% | 11.71% | 14.33% | 18.43% | Beats 45% | 407 / 746 | | |
| Equity / Assets | 10.67% | 8.90% | 10.51% | 13.06% | Beats 53% | 351 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.15% | 61.31% | 78.27% | 90.78% | 65th pctl | 263 / 746 | | |
| Loans / Assets | 74.96% | 53.60% | 66.97% | 76.08% | 71st pctl | 216 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |