Paducah Bank and Trust Company, The
Paducah, KY · Cert 16664 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Paducah Bank Shares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$1.1BAssets
$810.0MLoans
$844.2MDeposits
$106.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 31 of 258).
- Widest gap: equity / assets trails 54% of banks $1B-$10B in assets operating in a single state (rank 140 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.71%
Rank 37 of 258
Net Interest Margin
4.03%
Rank 46 of 258
Efficiency Ratio
54.68%
Rank 84 of 257
Equity / Assets
10.00%
Rank 140 of 258
Non-interest income vs. expense
Unfavorable gap of $18.7M · efficiency ratio beats 68% of banks $1B-$10B 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 | 1.71% | 0.93% | 1.23% | 1.54% | Beats 86% | 37 / 258 | | |
| Return on Equity | 17.07% | 9.26% | 11.84% | 14.74% | Beats 88% | 31 / 258 | | |
| Net Interest Margin | 4.03% | 3.16% | 3.49% | 3.88% | Beats 82% | 46 / 258 | | |
| Efficiency Ratio | 54.68% | 51.71% | 60.30% | 69.65% | Beats 68% | 84 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.46% | 0.90% | Beats 74% | 67 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 65% | 91 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.41% | 12.98% | 15.12% | Beats 48% | 134 / 258 | | |
| Total Risk-Based Capital Ratio | 14.12% | 12.10% | 13.91% | 16.08% | Beats 52% | 124 / 258 | | |
| Equity / Assets | 10.00% | 9.09% | 10.24% | 11.72% | Beats 46% | 140 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.95% | 73.24% | 86.34% | 95.95% | 75th pctl | 65 / 258 | | |
| Loans / Assets | 75.89% | 63.01% | 72.27% | 78.40% | 62nd pctl | 97 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |