The Paducah Bank and Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Paducah Bank and Trust Company is one of the more profitable banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026, up 4.0% from a year earlier; it is based in Paducah, Kentucky. It earns about $2.19 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also carries problem assets equal to 1.3% of the capital and reserves that would absorb them, about a third the median of 3.6% for banks its size. A wide margin does most of the work: it keeps 4.21 cents of net interest income on every dollar of earning assets.
Net income for the quarter rose 29% from a year earlier, to $5.7 million. Over the same year, loans grew 8.4% and deposits grew 2.6%.
As of June 30, 2026, The Paducah Bank and Trust Company reported a CET1 capital ratio of 12.87%, a return on assets of 2.19%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.32%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 555 Jefferson St, Paducah, KY 42001
- County
- Mccracken
- Metro Area
- Paducah, KY-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 24, 1948
- Former names
- The Paducah Bank and Trust Company (1973)
- Offices
- 6 domestic
- Employees (FTE)
- 145
- Domestic deposits
- $844.2M
- Allowance for credit losses
- $12.4M
- Net charge-offs (YTD)
- $71K
- Average total assets
- $1.04B
- Average total loans
- $813.9M
- Average interest-bearing deposits
- $638.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 24, 1948
- FDIC Cert
- 16664
- Fed RSSD
- 285740
- SEC CIK
- 741016 → filed by PADUCAH BANK SHARES, INC.
- Website
- www.paducahbank.com →
- Parent Holding Company
- PADUCAH BANK SHARES, INC. (RSSD 1099908)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Paducah Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Paducah Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Paducah Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 12.87% | 2.19% | 0.19% | 1.32% | 4.21% |
| Q1 2026 | 12.91% | 2.28% | 0.20% | 1.38% | 4.19% |
| Q4 2025 | 13.93% | 2.04% | 0.02% | 0.12% | 4.34% |
| Q3 2025 | 14.02% | 1.86% | 0.03% | 0.19% | 4.23% |
| Q2 2025 | 14.16% | 1.70% | 0.03% | 0.23% | 4.05% |
| Q1 2025 | 14.10% | 1.58% | 0.06% | 0.35% | 3.76% |
| Q4 2024 | 14.08% | 1.50% | 0.06% | 0.39% | 3.80% |
| Q3 2024 | 13.86% | 1.36% | 0.06% | 0.41% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Paducah Bank and Trust Company | Paducah , KY | 42001 | $605.2M |
| Lone Oak Branch | Paducah , KY | 42003 | $64.1M |
| Strawberry Hill Banking Center Branch | Paducah , KY | 42001 | $50.9M |
| Louisville Branch | Louisville , KY | 40222 | $43.0M |
| Reidland Branch | Reidland , KY | 42003 | $41.1M |
| Mid-City Branch | Paducah , KY | 42001 | $39.8M |
Regulatory record
What the public regulatory sources show for The Paducah Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in KY, rank 29 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 290 applications, 218 loans originated, $62.6M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $406K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Paducah Bank and Trust Company
What are The Paducah Bank and Trust Company's total assets?
As of the Q2 2026 filing, The Paducah Bank and Trust Company reported total assets of $1.07 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Paducah Bank and Trust Company headquartered?
The Paducah Bank and Trust Company is headquartered in Paducah, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Paducah Bank and Trust Company founded?
The Paducah Bank and Trust Company was established in 1948, per the FDIC institution directory.
Is The Paducah Bank and Trust Company FDIC-insured?
Yes. The Paducah Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #16664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Paducah Bank and Trust Company?
The Paducah Bank and Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Paducah Bank and Trust Company's CET1 capital ratio?
The Paducah Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.87% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Paducah Bank and Trust Company operate?
The Paducah Bank and Trust Company operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Paducah Bank and Trust Company's Texas Ratio?
The Paducah Bank and Trust Company's Texas Ratio is 1.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Paducah Bank and Trust Company previously called?
The charter now named The Paducah Bank and Trust Company has also operated as The Paducah Bank and Trust Company (1973), per FDIC structure-change records.
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