PB&T Bank
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Data as of · sourced from FFIEC call reports. How we update
PB&T Bank is an FDIC-insured commercial bank headquartered in Pueblo, CO, established in 1889 (FDIC certificate 12594), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $815.2M, up 25.9% from Q2 2025, the 11th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 12.67% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12594
- Headquarters
- Pueblo, CO
- Established
- 1889
- Total assets, Q2 2026
- $815.2M
- Assets vs Q2 2025
- +25.9%
- CET1 ratio, Q2 2026
- 12.67%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 107000068
- Holding company
- PUEBLO BANCORPORATION
- Asset rank in state
- 11th of 63 in Colorado
Problem loans are rising at PB&T Bank. The Pueblo, Colorado bank had $815 million in assets at June 30, 2026, up 25.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.54% of loans from 0.01% a year earlier. It earns about $2.29 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 5.17 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $4.6 million, 35% above the same quarter a year earlier. Over the same year, loans grew 18.9% and deposits grew 32.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, 2.7 times the median of 1.2 times for banks its size.
As of June 30, 2026, PB&T Bank reported a CET1 capital ratio of 12.67%, a return on assets of 2.29%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 3.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, PB&T Bank is the 11th largest of the 63 banks headquartered in Colorado. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.2% to $815.2M, loans fell 0.2% and deposits fell 2.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.4% of total loans, ahead of owner-occupied commercial real estate loans at 24.9%. Its 17 offices in the FDIC Summary of Deposits are in 12 cities in CO; its Pueblo 4 offices book 51% of its branch deposits. By the capital ratios in its Q2 2026 call report, PB&T Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 W 5th St, Pueblo, CO 81003
- County
- Pueblo
- Metro Area
- Pueblo, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Former names
- The Pueblo Bank and Trust Company (1963-2026)
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 158
- Domestic deposits
- $717.6M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $806.3M
- Average total loans
- $614.4M
- Average interest-bearing deposits
- $486.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12594
- Fed RSSD
- 106452
- SEC CIK
- 1439640 → filed by PUEBLO BANCORPORATION
- Website
- www.pbandt.bank →
- Parent Holding Company
- PUEBLO BANCORPORATION (RSSD 1022997)
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
PB&T Bank's total assets moved between a low of $616.7M (Q4 2024) and a high of $842.2M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$815.2M total assets against $647.4M; $728.2M total liabilities against $570.4M.
$603.4M net loans and leases against $506.9M; $717.6M total deposits against $541.1M.
$125.1M securities against $112.6M; $56.7M cash and balances due against $10.2M.
$12.1M total interest income against $9.4M; $1.9M total interest expense against $1.4M.
$10.2M net interest income against $8.0M.
$2.2M total noninterest income against $2.2M; $7.5M total noninterest expense against $5.9M.
$300K provision for credit losses against $820K.
$4.6M net income against $3.4M.
2.29% return on assets against 2.14%; 5.17% net interest margin against 5.22%.
12.67% CET1 capital ratio against 14.31%; 10.64% tier 1 leverage ratio against 12.39%.
Inside the full PB&T Bank 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).
PB&T Bank rankings
Its closest position to the top of a national ranking is 245 of 3,611, for ROA; its furthest is 1,510 of 2,134, for CET1 ratio.
Banks merged into PB&T Bank
- The State Bank, effective March 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.93% (Q4 2024) to 2.76% (Q3 2025) and its net interest margin ran from 4.60% (Q3 2024) to 5.33% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.67% | 2.29% | 0.54% | 3.82% | 5.17% |
| Q1 2026 | 12.28% | 2.19% | 0.60% | 5.20% | 5.10% |
| Q4 2025 | 14.57% | 2.44% | 0.20% | 2.38% | 5.33% |
| Q3 2025 | 13.96% | 2.76% | 0.20% | 2.44% | 5.33% |
| Q2 2025 | 14.31% | 2.14% | 0.03% | 1.41% | 5.22% |
| Q1 2025 | 15.11% | 2.49% | 0.00% | 1.41% | 4.92% |
| Q4 2024 | 15.51% | 1.93% | 0.00% | 13.39% | 4.65% |
| Q3 2024 | 15.60% | 2.09% | 0.02% | 13.52% | 4.60% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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 |
|---|---|---|---|
| PB&T Bank (main office) | Pueblo , CO | 81003 | $288.3M |
| Pb&T Bank - Canon City Branch | Canon City , CO | 81212 | $65.7M |
| Pb&T Bank - La Junta Branch | La Junta , CO | 81050 | $59.8M |
| Pb&T Bank - Denver Branch | Denver , CO | 80222 | $46.5M |
| Pb&T Bank - South Branch | Pueblo , CO | 81005 | $44.0M |
| Pb&T Bank - Salida Branch | Salida , CO | 81201 | $35.9M |
| Pb&T Bank - Falcon Branch | Peyton , CO | 80831 | $33.2M |
| Pb&T Bank - North Branch | Pueblo , CO | 81001 | $32.3M |
| Pb&T Bank - Leadville Branch | Leadville , CO | 80461 | $28.9M |
| Pb&T Bank - Colo Springs Branch | Colorado Springs , CO | 80903 | $26.0M |
| Pb&T Bank - Castle Rock Branch | Castle Rock , CO | 80104 | $18.1M |
| Pb&T Bank - Rocky Ford Branch | Rocky Ford , CO | 81067 | $17.3M |
| Longmont Branch | Longmont , CO | 80501 | $13.9M |
| Pb&T Bank - North Metro Branch at Larkridge Center | Thornton , CO | 80023 | $7.7M |
| Detached Facility | Rocky Ford , CO | 81067 | $0 |
| Drive-In Facility | La Junta , CO | 81050 | $0 |
| Drive-In Branch Facility | Pueblo , CO | 81003 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 1, 2026 | Structure Change | Acquired The State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 25, 1998 | Structure Change | Acquired Bestbank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 23, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 1995 | Structure Change | Acquired Fifth and Court Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 4, 1993 | Structure Change | Acquired The Thatcher Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 2, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in CO, rank 29 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $7.9M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 PB&T Bank
What are PB&T Bank's total assets?
As of the Q2 2026 filing, PB&T Bank reported total assets of $815.2 million in its FFIEC call report.
Where is PB&T Bank headquartered?
It is headquartered in Pueblo, CO, United States.
When was PB&T Bank founded?
It was established in 1889, per the FDIC institution directory.
Is PB&T Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PB&T Bank?
PB&T Bank's primary federal regulator is the FDIC.
What is PB&T Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.67% in its Q2 2026 call report, above regulatory requirements.
How many branches does PB&T Bank operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PB&T Bank's Texas Ratio?
Its Texas Ratio is 3.82% 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 PB&T Bank previously called?
The charter now named PB&T Bank has also operated as The Pueblo Bank and Trust Company (1963-2026), per FDIC structure-change records.
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