PBK Bank, Inc
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Data as of · sourced from FFIEC call reports. How we update
PBK Bank, Inc is an FDIC-insured commercial bank headquartered in Stanford, KY, established in 1906 (FDIC certificate 9313), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $175.6M, up 5.9% from Q2 2025, the 87th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9313
- Headquarters
- Stanford, KY
- Established
- 1906
- Total assets, Q2 2026
- $175.6M
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 15.17%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 042103994
- Holding company
- COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 87th of 120 in Kentucky
PBK Bank, Inc earns an unusually wide margin on its lending. The Stanford, Kentucky bank had $176 million in assets at June 30, 2026, up 5.9% from a year earlier. It keeps 5.09 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 1.10% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Loans and deposits moved in opposite directions: over the year loans fell 0.4% and deposits rose 5.1%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.46% of loans, down from 0.72% a year earlier.
As of June 30, 2026, PBK Bank, Inc reported a return on assets of 1.82%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 1.77%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, PBK Bank, Inc is the 87th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.0% to $175.6M, loans fell 4.5% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.9% of total loans, followed by farmland and other real estate loans at 14.2%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in KY; its Stanford 2 offices book 44% of its branch deposits. On its Q2 2026 call report, PBK Bank, Inc meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 120 Frontier Blvd, Stanford, KY 40484
- County
- Lincoln
- Metro Area
- Danville, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- Peoples Bank of Kentucky, Inc. (1996-2000); The Peoples Bank of Hustonville, Kentucky (1981-1996)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $150.4M
- Allowance for credit losses
- $664K
- Net charge-offs (YTD)
- $97K
- Average total assets
- $175.3M
- Average total loans
- $102.2M
- Average interest-bearing deposits
- $112.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9313
- Fed RSSD
- 148715
- Website
- www.pbkbank.com →
- Parent Holding Company
- COMMUNITY BANCSHARES, INC. (RSSD 1134283)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, PBK Bank, Inc reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, PBK Bank, Inc's total assets ranged from $150.3M (Q3 2023) to $175.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$175.6M total assets against $165.8M; $150.9M total liabilities against $143.7M.
$97.6M net loans and leases against $97.9M; $150.4M total deposits against $143.1M.
$38.4M securities against $36.8M; $35.1M cash and balances due against $26.4M.
$2.5M total interest income against $2.5M; $408K total interest expense against $433K.
$2.1M net interest income against $2.1M.
$426K total noninterest income against $430K; $1.5M total noninterest expense against $1.4M.
$20K provision for credit losses against $0.
$798K net income against $876K.
1.82% return on assets against 2.09%; 5.09% net interest margin against 5.18%.
15.17% tier 1 leverage ratio against 14.62%.
Inside the full PBK Bank, Inc terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePBK Bank, Inc rankings
Its closest position to the top of a national ranking is 721 of 3,611, for ROA; its furthest is 3,132 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.56% (Q4 2024) to 2.15% (Q3 2025) and its net interest margin ran from 4.98% (Q1 2026) to 5.30% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 1.82% | 0.46% | 1.77% | 5.09% |
| Q1 2026 | 14.98% | 1.80% | 0.42% | 1.75% | 4.98% |
| Q4 2025 | 15.27% | 1.67% | 0.49% | 2.03% | 5.10% |
| Q3 2025 | 15.34% | 2.15% | 0.52% | 2.12% | 5.30% |
| Q2 2025 | 14.62% | 2.09% | 0.72% | 3.11% | 5.18% |
| Q1 2025 | 14.52% | 1.77% | 0.39% | 1.72% | 5.03% |
| Q4 2024 | 14.36% | 1.56% | 0.44% | 1.99% | 5.00% |
| Q3 2024 | 14.43% | 2.10% | 0.43% | 1.89% | 5.25% |
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 |
|---|---|---|---|
| Pbk Bank, Inc. | Stanford , KY | 40484 | $55.1M |
| Hustonville Branch | Hustonville , KY | 40437 | $36.7M |
| Junction City Branch | Junction City , KY | 40440 | $23.7M |
| Danville Branch | Danville , KY | 40422 | $17.1M |
| Stanford Branch | Stanford , KY | 40484 | $11.3M |
| Mount Vernon Office Branch | Mount Vernon , KY | 40456 | $6.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 108 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 PBK Bank, Inc
What are PBK Bank, Inc's total assets?
As of the Q2 2026 filing, PBK Bank, Inc reported total assets of $175.6 million in its FFIEC call report.
Where is PBK Bank, Inc headquartered?
It is headquartered in Stanford, KY, United States.
When was PBK Bank, Inc founded?
It was established in 1906, per the FDIC institution directory.
Is PBK Bank, Inc FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9313). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PBK Bank, Inc?
PBK Bank, Inc's primary federal regulator is the FDIC.
How many branches does PBK Bank, Inc 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 PBK Bank, Inc's Texas Ratio?
Its Texas Ratio is 1.77% in its Q2 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 non-performing assets against the bank's capital and reserves.
What was PBK Bank, Inc previously called?
The charter now named PBK Bank, Inc has also operated as Peoples Bank of Kentucky, Inc. (1996-2000), The Peoples Bank of Hustonville, Kentucky (1981-1996), per FDIC structure-change records.
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