PBK BANK, INC

STANFORD, KY | Small | Est. Jan. 1, 1906, midnight | FDIC #9313 | RSSD #148715 | FDIC
Latest Report: 2025-12-31

PBK BANK, INC is asn small FDIC-insured commercial bank headquartered in STANFORD, KY, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $171M and total deposits of $147M. Profitability stands at 1.65% ROA and 11.80% ROE, with a net interest margin of 5.33%. The bank's CET1 capital ratio is 13.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 2.03%. FDIC Certificate #9313.

Assets

$171M

Deposits

$147M

Loans

$101M

Equity

$24M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 11.80%
Net Interest Margin (NIM) 5.33%
Yield on Assets 6.47%
Cost of Funds 1.22%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.09%
Texas Ratio 2.03%
NPA Ratio 0.29%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 13.84%
Tier 1 Capital 13.84%
Total Capital Ratio 14.53%
Leverage Ratio 15.27%
Loan-to-Deposit 69.17%

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