PBT Bancorp: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Time deposits $100k to $250k climbed 37.8% in Q2 2026, from $105.8M to $145.7M. It was the largest change from Q1 2026 among the key lines here. PBT Bancorp ranks 39th of 120 Kentucky banks on total deposits, in the upper half at $426.7M (Q2 2026). Against a median of $276.0M for banks in the $100M-1B asset tier, PBT Bancorp reported $426.7M on total deposits in Q2 2026, 55% higher.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $426.7M |
| Domestic office deposits | $426.7M |
| Foreign office deposits | — |
| Deposits to total assets | 90.17% |
| Deposits to total liabilities | 94.98% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $70.7M |
| Savings deposits | $42.7M |
| Transaction accounts to domestic deposits | 36.17% |
| Time deposits | $53K |
| Time deposits under $100k | $40.1M |
| Time deposits $100k to $250k | $145.7M |
| Time deposits over $250k | $40.6M |
| Noninterest-bearing share of deposits | 16.56% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $386.1M |
| Core deposits to total deposits | 90.48% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $40.1M |
| Brokered deposits to total deposits | 9.40% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.05% |
| Interest expense on deposits | $2.5M |
| Loans and leases to core deposits | 96.27% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $294.4M | 90.87% | 3.40% | 2.42% |
| Q4 2023 | $300.6M | 90.40% | 1.66% | 2.81% |
| Q1 2024 | $297.9M | 89.41% | 1.68% | 2.90% |
| Q2 2024 | $298.1M | 88.95% | 1.68% | 3.05% |
| Q3 2024 | $298.8M | 88.85% | 1.67% | 3.13% |
| Q4 2024 | $304.8M | 88.78% | 5.36% | 3.02% |
| Q1 2025 | $313.3M | 83.15% | 6.51% | 3.00% |
| Q2 2025 | $305.3M | 88.57% | 6.77% | 3.04% |
| Q3 2025 | $322.9M | 85.52% | 3.11% | 3.02% |
| Q4 2025 | $333.0M | 87.32% | 4.22% | 3.11% |
| Q1 2026 | $378.8M | 89.27% | 7.94% | 2.88% |
| Q2 2026 | $426.7M | 90.48% | 9.40% | 3.05% |
PBT Bancorp deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock PBT Bancorp, freeSource: Call Report Schedules RC-E and RC-O, 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 PBT Bancorp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8117) · FFIEC NIC profile (RSSD 814711)