PBK Bank, Inc: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 5.51 percentage points in Q2 2026, from 153.72% to 148.21%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, PBK Bank, Inc is 25th of 119 on return on assets, 1.82% as of Q2 2026, above the middle of the field. PBK Bank, Inc reported 1.82% on return on assets for Q2 2026, 0.57 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.17% |
| Equity capital to assets | 14.03% |
| Tangible equity to tangible assets | 14.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 1.77% |
| Allowance for credit losses to loans | 0.68% |
| Reserve coverage of non-performing loans | 148.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 13.16% |
| Net interest margin | 5.09% |
| Efficiency ratio | 57.05% |
| Yield on earning assets | 6.07% |
| Cost of funds | 1.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.33% |
| Core deposits to total deposits | 94.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.68% |
| Securities to assets | 21.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.97% | 2.11% | 5.27% | 0.58% | 0.07% |
| Q4 2023 | 14.21% | 1.67% | 5.27% | 0.53% | 0.06% |
| Q1 2024 | 14.18% | 1.83% | 5.24% | 0.50% | 0.04% |
| Q2 2024 | 14.26% | 1.97% | 5.28% | 0.48% | 0.11% |
| Q3 2024 | 14.43% | 2.10% | 5.25% | 0.42% | 0.14% |
| Q4 2024 | 14.36% | 1.56% | 5.00% | 0.42% | 0.14% |
| Q1 2025 | 14.52% | 1.77% | 5.03% | 0.29% | 0.05% |
| Q2 2025 | 14.62% | 2.09% | 5.18% | 0.68% | 0.07% |
| Q3 2025 | 15.34% | 2.15% | 5.30% | 0.48% | 0.11% |
| Q4 2025 | 15.27% | 1.67% | 5.10% | 0.49% | 0.14% |
| Q1 2026 | 14.98% | 1.80% | 4.98% | 0.42% | 0.31% |
| Q2 2026 | 15.17% | 1.82% | 5.09% | 0.46% | 0.07% |
PBK Bank, Inc vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PBK Bank, Inc, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full PBK Bank, Inc profile, peer group comparison, or how this data updates.
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