PBT Bancorp: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 4.00 percentage points higher than in Q1 2026, at 42.66%. PBT Bancorp has the 5th lowest return on assets of the 119 banks headquartered in Kentucky, at 0.19% as of Q2 2026. PBT Bancorp's return on assets of 0.19% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.07 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.35% |
| Tier 1 risk-based capital ratio | 9.35% |
| Total risk-based capital ratio | 10.49% |
| Tier 1 leverage ratio | 8.15% |
| Equity capital to assets | 5.06% |
| Tangible equity to tangible assets | 5.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.66% |
| Non-performing assets ratio | 2.39% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 40.19% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 42.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.19% |
| Return on equity | 3.41% |
| Net interest margin | 4.29% |
| Efficiency ratio | 88.37% |
| Yield on earning assets | 6.93% |
| Cost of funds | 2.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.11% |
| Core deposits to total deposits | 90.48% |
| Brokered deposits to total deposits | 9.40% |
| Deposits to assets | 90.17% |
| Securities to assets | 8.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.65% | 11.65% | 12.90% | 8.63% | 0.93% |
| Q4 2023 | 11.92% | 11.92% | 13.17% | 8.43% | -0.22% |
| Q1 2024 | 11.80% | 11.80% | 13.05% | 8.91% | 0.81% |
| Q2 2024 | 11.75% | 11.75% | 13.00% | 8.97% | 0.53% |
| Q3 2024 | 12.23% | 12.23% | 13.48% | 8.94% | 0.50% |
| Q4 2024 | 11.50% | 11.50% | 12.69% | 9.03% | 0.30% |
| Q1 2025 | 11.33% | 11.33% | 12.48% | 8.85% | 0.40% |
| Q2 2025 | 10.79% | 10.79% | 11.87% | 8.63% | 0.45% |
| Q3 2025 | 11.30% | 11.30% | 12.38% | 8.81% | 1.09% |
| Q4 2025 | 11.42% | 11.42% | 12.45% | 9.49% | 6.57% |
| Q1 2026 | 10.30% | 10.30% | 11.45% | 8.67% | -0.23% |
| Q2 2026 | 9.35% | 9.35% | 10.49% | 8.15% | 0.19% |
PBT Bancorp vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PBT Bancorp, 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 PBT Bancorp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8117) · FFIEC NIC profile (RSSD 814711)