PBT Bancorp
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Data as of · sourced from FFIEC call reports. How we update
PBT Bancorp is an FDIC-insured commercial bank headquartered in Hazard, KY, established in 1923 (FDIC certificate 8117), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $473.2M, up 41.6% from Q2 2025, the 43rd largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 9.35% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8117
- Headquarters
- Hazard, KY
- Established
- 1923
- Total assets, Q2 2026
- $473.2M
- Assets vs Q2 2025
- +41.6%
- CET1 ratio, Q2 2026
- 9.35%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 042107424
- Latest call report
- Q2 2026, FFIEC 041 · PBT Bancorp call report
- Holding company
- HAZARD BANCORP
- Asset rank in state
- 43rd of 120 in Kentucky
Problem loans are rising at PBT Bancorp. Based in Hazard, Kentucky, it had $473 million in assets at June 30, 2026, up 41.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.66% of loans from 1.70% a year earlier. It earns about $0.19 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $201,000 was 48% below a year earlier. The non-owner-occupied commercial real estate book ($72 million) is worsening: 13.88% of it is past due or on nonaccrual, up from 0.80% a year earlier. Funding is the softer spot: it pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, PBT Bancorp reported a CET1 capital ratio of 9.35%, a return on assets of 0.19%, a nonperforming-loan ratio of 2.66% and a Texas ratio of 40.19%. The figures come from its call report filed with the FFIEC.
PBT Bancorp ranks as the 43rd largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 9.6% to $473.2M, loans rose 10.2% and deposits rose 12.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.0% of total loans, followed by non-owner-occupied commercial real estate loans at 19.3%. Its 6 offices in the FDIC Summary of Deposits are in Hazard, KY, Irvine, KY and Stanton, KY; its Hazard 3 offices book 94% of its branch deposits. Judged on its Q2 2026 call report, PBT Bancorp meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 524 Main St, Hazard, KY 41701
- County
- Perry
- 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 4, Cleveland
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 19, 1923
- Former names
- Peoples Bank & Trust Company of Hazard (1989-2025)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 83
- Domestic deposits
- $426.7M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $427.5M
- Average total loans
- $337.4M
- Average interest-bearing deposits
- $309.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8117
- Fed RSSD
- 814711
- Website
- www.pbtb.com →
- Parent Holding Company
- HAZARD BANCORP (RSSD 1357082)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, PBT Bancorp's total assets ran between $318.1M (Q3 2023) and $473.2M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$473.2M total assets against $334.1M; $449.3M total liabilities against $317.2M.
$367.5M net loans and leases against $258.0M; $426.7M total deposits against $305.3M.
$37.9M securities against $35.5M; $32.7M cash and balances due against $17.2M.
$7.1M total interest income against $5.0M; $2.7M total interest expense against $2.0M.
$4.4M net interest income against $3.0M.
$544K total noninterest income against $465K; $4.4M total noninterest expense against $3.1M.
$390K provision for credit losses against $0.
$201K net income against $390K.
0.19% return on assets against 0.45%; 4.29% net interest margin against 3.61%.
9.35% CET1 capital ratio against 10.79%; 8.15% tier 1 leverage ratio against 8.63%.
Inside the full PBT Bancorp 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
PBT Bancorp rankings
Its closest position to the top of a national ranking is 28 of 3,640, for Texas Ratio; its furthest is 2,129 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.23% (Q1 2026) to 6.57% (Q4 2025) and its net interest margin ran from 3.02% (Q3 2024) to 4.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.35% | 0.19% | 2.66% | 40.19% | 4.29% |
| Q1 2026 | 10.30% | -0.23% | 2.96% | 41.79% | 4.03% |
| Q4 2025 | 11.42% | 6.57% | 3.25% | 40.76% | 4.17% |
| Q3 2025 | 11.30% | 1.09% | 1.72% | 26.24% | 3.99% |
| Q2 2025 | 10.79% | 0.45% | 1.70% | 23.09% | 3.61% |
| Q1 2025 | 11.33% | 0.40% | 1.60% | 21.18% | 3.42% |
| Q4 2024 | 11.50% | 0.30% | 2.15% | 28.11% | 3.20% |
| Q3 2024 | 12.23% | 0.50% | 2.07% | 25.95% | 3.02% |
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 |
|---|---|---|---|
| PBT Bancorp (main office) | Hazard , KY | 41701 | $378.2M |
| Daniel Boone Branch | Hazard , KY | 41701 | $23.4M |
| Irvine Branch | Irvine , KY | 40336 | $16.8M |
| Stanton Branch | Stanton , KY | 40380 | $6.6M |
| West Irvine Branch | Irvine , KY | 40336 | $1.7M |
| Express Bank & Merchant Center Branch | Hazard , KY | 41701 | $46K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action September 9, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KY, rank 55 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $357K approved, $357K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 PBT Bancorp
What are PBT Bancorp's total assets?
As of the Q2 2026 filing, PBT Bancorp reported total assets of $473.2 million in its FFIEC call report.
Where is PBT Bancorp headquartered?
It is headquartered in Hazard, KY, United States.
When was PBT Bancorp founded?
It was established in 1923, per the FDIC institution directory.
Is PBT Bancorp FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PBT Bancorp?
PBT Bancorp's primary federal regulator is the Federal Reserve.
What is PBT Bancorp's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.35% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does PBT Bancorp 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 PBT Bancorp's Texas Ratio?
Its Texas Ratio is 40.19% 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 PBT Bancorp previously called?
The charter now named PBT Bancorp has also operated as Peoples Bank & Trust Company of Hazard (1989-2025), per FDIC structure-change records.
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