PADUCAH BANK AND TRUST COMPANY, THE

PADUCAH, KY | Large | Est. Jan. 24, 1948, midnight | FDIC #16664 | RSSD #285740 | FED
Latest Report: 2025-12-31

PADUCAH BANK AND TRUST COMPANY, THE is aln large FDIC-insured commercial bank headquartered in PADUCAH, KY, established in Jan. 24, 1948, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $806M. Profitability stands at 2.06% ROA and 18.48% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 13.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.12%. FDIC Certificate #16664.

Assets

$1.0B

Deposits

$806M

Loans

$790M

Equity

$113M

Profitability

Return on Assets (ROA) 2.06%
Return on Equity (ROE) 18.48%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.37%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.12%
NPA Ratio 0.02%
ACL / Loans 1.58%

Capital & Liquidity

CET1 Ratio 13.93%
Tier 1 Capital 13.93%
Total Capital Ratio 15.18%
Leverage Ratio 11.47%
Loan-to-Deposit 98.07%

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