Bank Safety Analysis
Is PBT Bancorp Safe? Hazard, Kentucky
Based on its Q2 2026 call report, PBT Bancorp meets every capital ratio test for well capitalized, its Texas ratio is 40.19%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, PBT Bancorp's CET1 ratio is 9.35%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 9.35%
- Tier 1 leverage ratio (Q2 2026): 8.15%
- Texas ratio (Q2 2026): 40.19%
- Noncurrent loans ratio (Q2 2026): 2.66%
PBT Bancorp is an FDIC-insured commercial bank (FDIC Certificate #8117). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
PBT Bancorp meets regulatory minimums but is on the watch band for 2 of 5 safety dimensions. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 0.42 percentage points higher than in Q1 2026, at 0.19%. PBT Bancorp has the 1st lowest CET1 ratio of the 69 banks headquartered in Kentucky, at 9.35% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. PBT Bancorp sits 5.73 points lower, at 9.35% (Q2 2026). From Q3 2023 to Q2 2026, PBT Bancorp's CET1 ratio ranged between 9.35% (Q2 2026) and 12.23% (Q3 2024) and its Texas ratio ranged between 14.86% (Q3 2023) and 41.79% (Q1 2026). Between Q2 2025 and Q2 2026, PBT Bancorp's CET1 ratio fell from 10.79% to 9.35%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 1.70% to 2.66%, Texas ratio rose from 23.09% to 40.19% and return on assets fell from 0.45% to 0.19%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 9.35% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 8.15% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.66% are elevated; merits closer attention.
Texas Ratio of 40.2% is well below the 100% historical failure threshold.
Efficiency ratio of 88.4% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 9.35% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 40.19% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.66% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 87.11% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 310.80% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 9.35% |
| Q1 2026 | 10.30% |
| Q4 2025 | 11.42% |
| Q3 2025 | 11.30% |
| Q2 2025 | 10.79% |
| Q1 2025 | 11.33% |
| Q4 2024 | 11.50% |
| Q3 2024 | 12.23% |
| Q2 2024 | 11.75% |
| Q1 2024 | 11.80% |
| Q4 2023 | 11.92% |
| Q3 2023 | 11.65% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 40.19% |
| Q1 2026 | 41.79% |
| Q4 2025 | 40.76% |
| Q3 2025 | 26.24% |
| Q2 2025 | 23.09% |
| Q1 2025 | 21.18% |
| Q4 2024 | 28.11% |
| Q3 2024 | 25.95% |
| Q2 2024 | 25.32% |
| Q1 2024 | 20.54% |
| Q4 2023 | 22.93% |
| Q3 2023 | 14.86% |
PBT Bancorp by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 9.35% | 2.66% | 40.19% | 0.19% |
| Mar 31, 2026 | 10.30% | 2.96% | 41.79% | -0.23% |
| Dec 31, 2025 | 11.42% | 3.25% | 40.76% | 6.57% |
| Sep 30, 2025 | 11.30% | 1.72% | 26.24% | 1.09% |
| Jun 30, 2025 | 10.79% | 1.70% | 23.09% | 0.45% |
| Mar 31, 2025 | 11.33% | 1.60% | 21.18% | 0.40% |
| Dec 31, 2024 | 11.50% | 2.15% | 28.11% | 0.30% |
| Sep 30, 2024 | 12.23% | 2.07% | 25.95% | 0.50% |
| Jun 30, 2024 | 11.75% | 1.89% | 25.32% | 0.53% |
| Mar 31, 2024 | 11.80% | 1.53% | 20.54% | 0.81% |
| Dec 31, 2023 | 11.92% | 1.63% | 22.93% | -0.22% |
| Sep 30, 2023 | 11.65% | 0.87% | 14.86% | 0.93% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is PBT Bancorp FDIC insured?
Yes. PBT Bancorp is an FDIC-insured commercial bank (FDIC Certificate #8117). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is PBT Bancorp well capitalized?
On its Q2 2026 call report, PBT Bancorp's CET1 ratio is 9.35%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are PBT Bancorp's key safety ratios?
For Q2 2026, PBT Bancorp reports CET1 9.35%, leverage 8.15%, Texas ratio 40.19%, noncurrent loans 2.66%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if PBT Bancorp fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 8117) · FFIEC NIC profile (RSSD 814711)
Explore: Full PBT Bancorp profile · Other banks in KY · Metric glossary · How the call report works