The Paducah Bank and Trust Company
The Paducah Bank and Trust Company is an FDIC-insured commercial bank headquartered in Paducah, KY, supervised by the Federal Reserve, with $1.04B in total assets at Q3 2026, up 4.6% from Q3 2025, the 17th largest of 120 banks headquartered in Kentucky. It was established in 1948 and holds FDIC certificate 16664. Its CET1 capital ratio was 13.03% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as PB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16664
- Headquarters
- Paducah, KY
- Established
- 1948
- Total assets, Q3 2026
- $1.04B
- Assets vs Q3 2025
- +4.6%
- CET1 ratio, Q3 2026
- 13.03%
- Domestic offices
- 6 branches
- Routing number
- 083900402
- Safety and soundness
- Is The Paducah Bank and Trust Company safe?
- Latest call report
- Q3 2026, FFIEC 041 · The Paducah Bank and Trust Company call report
- Holding company
- PADUCAH BANK SHARES, INC.
- Asset rank in state
- 17th of 120 in Kentucky
The Paducah Bank and Trust Company is one of the more profitable banks of its size. It reported $1.0 billion in assets at September 30, 2026, up 4.6% from a year earlier. It earns about $2.20 a year on every $100 of assets, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median $1.32). It also carries problem assets equal to 1.4% of the capital and reserves that would absorb them, about a third the median of 3.9% for banks its size. A wide margin does most of the work: it keeps 4.30 cents of net interest income on every dollar of earning assets.
Net income for the quarter rose 22% from a year earlier, to $5.7 million. Over the same year, loans grew 5.9% and deposits grew 2.7%.
As of September 30, 2026, The Paducah Bank and Trust Company reported a CET1 capital ratio of 13.03%, a return on assets of 2.20%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.39%. The figures come from its call report filed with the FFIEC.
The Paducah Bank and Trust Company ranks as the 17th largest of the 120 banks based in Kentucky, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets fell 2.3% to $1.04B, loans rose 0.8% and deposits fell 3.9%. 1-4 family residential loans made up 27.4% of its total loans on September 30, 2026, its largest category; next came commercial and industrial loans at 21.0%. The FDIC Summary of Deposits lists 6 offices for it, in Paducah, KY, Louisville, KY and Reidland, KY; its Paducah 4 offices book 90% of its branch deposits. By the capital ratios in its Q3 2026 call report, The Paducah Bank and Trust Company meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 6 branches
- Employees (FTE)
- 141
- Domestic deposits
- $811.7M
- Allowance for credit losses
- $12.4M
- Net charge-offs (YTD)
- $107K
- Average total assets
- $1.04B
- Average total loans
- $815.5M
- Average interest-bearing deposits
- $628.1M
- 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
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, The Paducah Bank and Trust Company's total assets ran between $938.7M (Q4 2024) and $1.07B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.04B total assets against $996.9M; $937.3M total liabilities against $886.0M.
$804.0M net loans and leases against $758.6M; $811.7M total deposits against $790.2M.
$152.1M securities against $181.4M; $43.8M cash and balances due against $19.5M.
$15.2M total interest income against $14.7M; $4.4M total interest expense against $4.4M.
$10.7M net interest income against $10.3M.
$2.3M total noninterest income against $2.2M; $7.3M total noninterest expense against $7.3M.
$0 provision for credit losses against $408K.
$5.7M net income against $4.7M.
2.20% return on assets against 1.86%; 4.30% net interest margin against 4.23%.
13.03% CET1 capital ratio against 14.02%; 10.87% tier 1 leverage ratio against 11.39%.
Inside the full The Paducah Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
The Paducah Bank and Trust Company rankings
Its closest position to the top of a national ranking is 346 of 3,627, for ROA; its furthest is 731 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.50% (Q4 2024) to 2.28% (Q1 2026) and its net interest margin ran from 3.76% (Q1 2025) to 4.34% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.03% | 2.20% | 0.20% | 1.39% | 4.30% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q3 2026 filing, The Paducah Bank and Trust Company reported total assets of $1.04 billion in its FFIEC call report.
Where is The Paducah Bank and Trust Company headquartered?
It is headquartered in Paducah, KY, United States.
When was The Paducah Bank and Trust Company founded?
It was established in 1948, per the FDIC institution directory.
Is The Paducah Bank and Trust Company FDIC-insured?
Yes. It 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.
What is The Paducah Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.03% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Paducah Bank and Trust Company operate?
It 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?
Its Texas Ratio is 1.39% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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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