PBT Bancorp: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PBT Bancorp of Hazard, KY against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.19% | 1.25% | -1.06% | 5th bottom |
| ROAE | 3.41% | 12.22% | -8.81% | 9th bottom |
| Net Interest Margin | 4.29% | 3.95% | +0.34% | 69th above |
| Efficiency Ratio | 88.37% | 63.71% | +24.66% | 6th bottom |
| PPNR / Avg Assets | 0.52% | — | — | 8th bottom |
| Yield on Earning Assets | 6.93% | 5.67% | +1.26% | 94th top |
| Cost of Funds | 2.78% | 1.87% | +0.91% | 9th bottom |
| Net Interest Spread | 3.79% | — | — | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.66% | 0.88% | +1.78% | 7th bottom |
| NPA / Total Assets | 2.39% | — | — | 5th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 29th below |
| ACL / Total Loans | 1.14% | — | — | 43rd below |
| ACL / NPLs (Coverage) | 42.66% | — | — | 7th bottom |
| Texas Ratio | 40.19% | 5.96% | +34.23% | 1st bottom |
| Provision / NCO | 1444.44% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.35% | 17.18% | -7.83% | 0th bottom |
| Tier 1 Ratio | 9.35% | 17.21% | -7.86% | 0th bottom |
| Total Capital Ratio | 10.49% | — | — | 1st bottom |
| Leverage Ratio | 8.15% | 11.75% | -3.60% | 3rd bottom |
| Equity / Assets | 5.06% | 10.98% | -5.92% | 1st bottom |
| TCE / Tangible Assets | 5.06% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.11% | 80.44% | +6.67% | 35th below |
| Core Deposit Ratio | 90.48% | 86.95% | +3.53% | 58th above |
| Wholesale Funding Ratio | 1.90% | — | — | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 41.63% | — | — | 99th top |
| Loan Growth (Y/Y) | 42.45% | — | — | 98th top |
| Deposit Growth (Y/Y) | 39.78% | — | — | 98th top |
See PBT Bancorp's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PBT Bancorp, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full PBT Bancorp profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the PBT Bancorp peer analysis.