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PBK Bank, Inc.

Stanford, KY · Cert 9313 · Community Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$175.6MAssets
$98.3MLoans
$150.4MDeposits
$24.6MEquity
Loan mix
87%RE $87.4M4%C&I $4.3M9%Consumer $8.9MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $113.2M25%Noninterest $37.2MQ2 2025Q2 2026

NIM

6.08%Q2 ’246.07%Q2 ’255.78%Q2 ’26-2%-4%

Non-interest income vs. expense

3.57%Q2 ’243.29%Q2 ’253.32%Q2 ’26-10%+4%

Executive Summary

  • Earnings: ROA of 1.84%, down 27 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 0.46% of loans (-27 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 15.17%, up 55 bps from a year ago.
  • Funding: loans stand at 65.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.84%-27 bps YoY

Net Interest Margin (quarter, annualized)

4.85%-19 bps YoY

Efficiency Ratio (quarter, annualized)

57.09%+289 bps YoY

Tier 1 Leverage Ratio

15.17%+55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.10%2.14%1.65%1.81%1.84%-27 bps
Return on Equity16.15%15.57%11.80%13.07%13.16%-299 bps
Net Interest Margin5.04%5.14%4.94%4.75%4.85%-19 bps
Efficiency Ratio54.20%54.27%63.14%58.66%57.09%+289 bps
Non-Interest Burden2.26%2.28%2.72%2.35%2.35%+9 bps
Growth
Asset Growth (YoY)5.32%4.80%7.02%2.75%5.87%+55 bps
Loan Growth (YoY)5.07%3.82%6.61%6.89%-0.42%-550 bps
Deposit Growth (YoY)3.91%3.59%5.67%1.44%5.11%+120 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.52%0.49%0.42%0.46%-27 bps
Net Charge-Offs / Loans0.06%0.10%0.13%0.31%0.07%0 bps
Allowance / Loans0.81%0.78%0.73%0.64%0.68%-14 bps
Allowance Coverage of NPLs1.1x1.5x1.5x1.5x1.5x+0.4x
Capital
Tier 1 Leverage Ratio14.62%15.34%15.27%14.98%15.17%+55 bps
Total Risk-Based Capital14.62%15.34%15.27%14.98%15.17%+55 bps
Equity / Assets13.37%14.18%13.84%13.89%14.03%+66 bps
Liquidity & Funding
Loans / Deposits68.96%69.73%69.17%69.76%65.33%-363 bps
Liquid Assets / Assets13.27%12.39%13.81%13.86%17.10%+383 bps
CRE / Total Capitaln/a96.96%95.45%93.34%n/an/a