PB&T BANK
PB&T BANK is an FDIC-insured commercial bank headquartered in PUEBLO, CO, established in 1889. As of , the bank reported total assets of $663M and total deposits of $557M. Profitability stands at 2.44% ROA and 19.85% ROE, with a net interest margin of 5.27%. CET1 capital ratio: 14.57%, well above regulatory minimums. NPL ratio: 2.01% · Texas Ratio: 12.98%. Operates 12 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Pb&t Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.57% | 2.44% | 2.01% | 12.98% | 5.27% |
| 2025-09-30 | 13.96% | 2.78% | 0.83% | 6.39% | 5.30% |
| 2025-06-30 | 14.31% | 2.14% | 0.69% | 5.60% | 5.19% |
| 2025-03-31 | 15.11% | 2.48% | 0.73% | 5.59% | 4.87% |
| 2024-12-31 | 15.51% | 1.94% | 0.97% | 18.44% | 4.62% |
| 2024-09-30 | 15.60% | 2.12% | 0.02% | 13.17% | 4.56% |
| 2024-06-30 | 15.36% | 2.78% | 1.38% | 13.67% | 4.44% |
| 2024-03-31 | 14.79% | 1.79% | 2.33% | 15.29% | 4.31% |
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Frequently asked about PB&T BANK
What are Pb&t Bank's total assets?
As of the Q4 2025 filing, Pb&t Bank reported total assets of $663.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pb&t Bank headquartered?
Pb&t Bank is headquartered in PUEBLO, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Pb&t Bank founded?
Pb&t Bank was established in 1889, per the FDIC institution directory.
Is Pb&t Bank FDIC-insured?
Yes. Pb&t Bank is an FDIC-insured commercial bank (FDIC Certificate #12594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pb&t Bank?
Pb&t Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pb&t Bank's CET1 capital ratio?
Pb&t Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.57% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Pb&t Bank operate?
Pb&t Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Pb&t Bank's Texas Ratio?
Pb&t Bank's Texas Ratio is 12.98% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.