PBK Bank, Inc.
Stanford, KY · Cert 9313 · Peer group: banks under $1B in assets in KY (n=69) · Community Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$175.6MAssets
$98.3MLoans
$150.4MDeposits
$24.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in KY (rank 4 of 69).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in KY (rank 63 of 69).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.79%
Rank 5 of 69
Net Interest Margin
4.76%
Rank 4 of 69
Efficiency Ratio
57.87%
Rank 26 of 69
Equity / Assets
14.03%
Rank 12 of 69
Non-interest income vs. expense
Unfavorable gap of $4.1M · efficiency ratio beats 64% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.83% | 1.18% | 1.44% | Beats 93% | 5 / 69 | |
| Return on Equity | 12.78% | 7.64% | 11.70% | 15.70% | Beats 57% | 30 / 69 | |
| Net Interest Margin | 4.76% | 3.45% | 3.75% | 3.96% | Beats 94% | 4 / 69 | |
| Efficiency Ratio | 57.87% | 55.32% | 62.99% | 70.80% | Beats 64% | 26 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.18% | 0.52% | 1.14% | Beats 55% | 32 / 69 | |
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.02% | 0.06% | Beats 10% | 63 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 15.17% | 11.33% | 13.58% | 16.27% | Beats 64% | 25 / 69 | |
| Total Risk-Based Capital Ratio | 15.17% | 11.55% | 14.43% | 17.27% | Beats 55% | 31 / 69 | |
| Equity / Assets | 14.03% | 8.31% | 9.91% | 12.53% | Beats 83% | 12 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 65.33% | 71.40% | 81.07% | 88.03% | 19th pctl | 56 / 69 | |
| Loans / Assets | 55.97% | 61.10% | 68.66% | 76.68% | 22nd pctl | 54 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |