PBT BANCORP

HAZARD, KY | Small | Est. March 19, 1923, midnight | FDIC #8117 | RSSD #814711 | FED
Latest Report: 2025-12-31

PBT BANCORP is asn small FDIC-insured commercial bank headquartered in HAZARD, KY, established in March 19, 1923, midnight. As of 2025-12-31, the bank reported total assets of $379M and total deposits of $333M. Profitability stands at 6.64% ROA and 113.27% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 11.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.16% and a Texas Ratio of 39.78%. FDIC Certificate #8117.

Assets

$379M

Deposits

$333M

Loans

$302M

Equity

$24M

Profitability

Return on Assets (ROA) 6.64%
Return on Equity (ROE) 113.27%
Net Interest Margin (NIM) 4.46%
Yield on Assets 7.11%
Cost of Funds 2.65%

Asset Quality

NPL Ratio 3.16%
Net Charge-Off Ratio 0.05%
Texas Ratio 39.78%
NPA Ratio 2.85%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 11.42%
Tier 1 Capital 11.42%
Total Capital Ratio 12.45%
Leverage Ratio 9.49%
Loan-to-Deposit 90.56%

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