Bank Comparison
Morgantown Bank & Trust Company, Incorporated vs Pbt Bancorp
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Morgantown Bank & Trust Company, Incorporated | Pbt Bancorp |
|---|---|---|
| CET1 Ratio | 11.43% | 10.30% |
| Tier 1 Capital Ratio | 11.43% | 10.30% |
| Total Capital Ratio | 12.25% | 11.45% |
| Tier 1 Leverage Ratio | 8.20% | 8.67% |
| Equity / Assets | 7.58% | 5.36% |
Profitability
| Metric | Morgantown Bank & Trust Company, Incorporated | Pbt Bancorp |
|---|---|---|
| Return on Assets (ROA) | 0.78% | -0.23% |
| Return on Equity (ROE) | 10.19% | -3.93% |
| Net Interest Margin (NIM) | 3.56% | 4.03% |
| Yield on Earning Assets | 6.00% | 6.32% |
| Cost of Funds | 2.50% | 2.39% |
Asset quality
| Metric | Morgantown Bank & Trust Company, Incorporated | Pbt Bancorp |
|---|---|---|
| Texas Ratio | 2.96% | 48.25% |
| Non-Performing Loan Ratio | 0.25% | 3.38% |
| Non-Performing Asset Ratio | 0.24% | 2.94% |
| Net Charge-Off Ratio | 0.01% | 0.01% |
| ACL / Loans | 0.69% | 1.15% |
Balance sheet
| Metric | Morgantown Bank & Trust Company, Incorporated | Pbt Bancorp |
|---|---|---|
| Total Assets | $434,974K | $431,657K |
| Total Deposits | $382,022K | $378,832K |
| Total Loans | $343,383K | $337,231K |
| Total Equity | $32,991K | $23,154K |
| Net Income (quarter) | $833 | $-232 |
Liquidity & funding
| Metric | Morgantown Bank & Trust Company, Incorporated | Pbt Bancorp |
|---|---|---|
| Loan-to-Deposit Ratio | 89.89% | 89.02% |
| Core Deposit Ratio | 89.39% | 89.27% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Morgantown Bank & Trust Company, Incorporated | Pbt Bancorp |
|---|---|---|
| Headquarters City | MORGANTOWN | HAZARD |
| Headquarters State | KY | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 70 | 83 |
| Established | Sept. 1, 1880, midnight | March 19, 1923, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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