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
Unfavorable gap of $14.7M · efficiency ratio beats 4% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.87% | 3.45% | 3.75% | 3.96% | Beats 62% | 26 / 69 | | |
| Efficiency Ratio | 90.25% | 55.32% | 62.99% | 70.80% | Beats 4% | 67 / 69 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.66% | 0.18% | 0.52% | 1.14% | Beats 6% | 66 / 69 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 58% | 30 / 69 | | |
| Capital |
| Tier 1 Capital Ratio | 9.35% | 11.33% | 13.58% | 16.27% | Beats 6% | 65 / 69 | | |
| Total Risk-Based Capital Ratio | 10.49% | 11.55% | 14.43% | 17.27% | Beats 16% | 58 / 69 | | |
| Equity / Assets | 5.06% | 8.31% | 9.91% | 12.53% | Beats 0% | 69 / 69 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.11% | 71.40% | 81.07% | 88.03% | 70th pctl | 21 / 69 | | |
| Loans / Assets | 78.55% | 61.10% | 68.66% | 76.68% | 75th pctl | 17 / 69 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |