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PBT Bancorp

Hazard, KY · Cert 8117 · Hazard Bcorp

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KY (n=69). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

7

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

PBT Bancorp

Hazard, KY · Cert 8117 · Hazard Bcorp

State charter, Fed member · FED · 6 branches

Q2 2026

$473.2MAssets
$371.7MLoans
$426.7MDeposits
$24.0MEquity
Loan mix
71%RE $239.7M17%C&I $58.4M11%Consumer $38.1MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $356.1M17%Noninterest $70.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -0.01%, down 44 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 2.66% of loans (+97 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.15%, down 47 bps from a year ago.
  • Funding: loans stand at 87.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.01%-44 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+48 bps YoY

Efficiency Ratio (YTD, annualized)

90.25%+292 bps YoY

Tier 1 Leverage Ratio

8.15%-47 bps YoY

NIM

5.46%Q2 ’245.71%Q2 ’256.17%Q2 ’26+13%+14%

Non-interest income vs. expense

2.67%Q2 ’243.40%Q2 ’253.94%Q2 ’26+34%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.52%0.39%0.43%0.65%2.22%-0.23%-0.01%-44 bps
Return on Equity12.80%11.02%7.84%8.56%12.78%41.53%-3.93%-0.26%-882 bps
Net Interest Margin2.99%3.04%3.38%3.40%3.55%3.51%3.86%3.87%+48 bps
Efficiency Ratio79.37%81.41%87.46%87.33%80.81%54.56%91.97%90.25%+292 bps
Non-Interest Burden2.28%2.38%2.90%2.90%2.74%0.66%3.51%3.45%+54 bps
Growth
Asset Growth (YoY)2.33%1.96%5.12%3.22%8.75%14.14%25.12%41.63%+3,841 bps
Loan Growth (YoY)-1.63%1.98%7.43%11.02%19.44%24.30%31.98%42.45%+3,142 bps
Deposit Growth (YoY)1.49%1.39%5.17%2.43%8.06%9.25%20.93%39.78%+3,735 bps
Asset Quality
Nonperforming Loans / Loans2.07%2.15%1.60%1.70%1.72%3.25%2.96%2.66%+97 bps
Net Charge-Offs / Loans0.03%0.04%0.01%0.02%0.03%0.05%0.00%0.02%0 bps
Allowance / Loans1.31%1.24%1.17%1.14%1.06%1.06%1.15%1.14%0 bps
Allowance Coverage of NPLs0.6x0.6x0.7x0.7x0.6x0.3x0.4x0.4x-0.2x
Capital
Tier 1 Leverage Ratio8.94%9.03%8.85%8.63%8.81%9.49%8.67%8.15%-47 bps
Total Risk-Based Capital13.48%12.69%12.48%11.87%12.38%12.45%11.45%10.49%-138 bps
Equity / Assets4.73%4.90%4.95%5.06%5.36%6.33%5.36%5.06%0 bps
Liquidity & Funding
Loans / Deposits77.30%79.60%81.57%85.48%85.45%90.56%89.02%87.11%+163 bps
Liquid Assets / Assets11.57%9.03%8.66%4.32%4.75%1.69%5.50%6.38%+206 bps
CRE / Total Capitaln/an/an/an/a407%380%406%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

PBT Bancorp

Hazard, KY · Cert 8117 · Peer group: banks under $1B in assets in KY (n=69) · Hazard Bcorp

State charter, Fed member · FED · 6 branches

Q2 2026

$473.2MAssets
$371.7MLoans
$426.7MDeposits
$24.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 62% of banks under $1B in assets in KY (rank 26 of 69).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in KY (rank 69 of 69).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.01%

Rank 68 of 69

Net Interest Margin

3.87%

Rank 26 of 69

Efficiency Ratio

90.25%

Rank 67 of 69

Equity / Assets

5.06%

Rank 69 of 69

Non-interest income vs. expense

$2.1M$16.8MINCOMEEXPENSE
Unfavorable gap of $14.7M · efficiency ratio beats 4% of banks under $1B in assets in KY
Bank 90.25%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.01%0.83%1.18%1.44%Beats 1%68 / 69
Return on Equity-0.26%7.64%11.70%15.70%Beats 1%68 / 69
Net Interest Margin3.87%3.45%3.75%3.96%Beats 62%26 / 69
Efficiency Ratio90.25%55.32%62.99%70.80%Beats 4%67 / 69
Asset Quality
Nonperforming Loans / Loans2.66%0.18%0.52%1.14%Beats 6%66 / 69
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 58%30 / 69
Capital
Tier 1 Capital Ratio9.35%11.33%13.58%16.27%Beats 6%65 / 69
Total Risk-Based Capital Ratio10.49%11.55%14.43%17.27%Beats 16%58 / 69
Equity / Assets5.06%8.31%9.91%12.53%Beats 0%69 / 69
Liquidity & Funding
Loans / Deposits87.11%71.40%81.07%88.03%70th pctl21 / 69
Loans / Assets78.55%61.10%68.66%76.68%75th pctl17 / 69
Brokered Deposits / Depositsn/aNot reported for this institution