PB&T Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PB&T Bank of Pueblo, CO against its peer group of 2672 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 | 2.29% | 1.34% | +0.95% | 92nd top |
| ROAE | 21.48% | 13.31% | +8.17% | 91st top |
| Net Interest Margin | 5.17% | 3.93% | +1.24% | 94th top |
| Efficiency Ratio | 57.95% | 61.14% | -3.19% | 60th above |
| PPNR / Avg Assets | 2.44% | 1.68% | +0.76% | 88th top |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 75th top |
| Cost of Funds | 1.04% | 1.88% | -0.84% | 90th top |
| Net Interest Spread | 4.63% | 3.32% | +1.31% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.08% | 0.94% | +1.14% | 12th bottom |
| NPA / Total Assets | 1.57% | 0.70% | +0.87% | 11th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 78th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| ACL / NPLs (Coverage) | 60.26% | 1539.95% | -1479.69% | 15th bottom |
| Texas Ratio | 14.26% | 7.33% | +6.93% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.67% | 19.51% | -6.84% | 24th bottom |
| Tier 1 Ratio | 12.67% | 19.54% | -6.87% | 23rd bottom |
| Total Capital Ratio | 13.87% | 20.63% | -6.76% | 25th below |
| Leverage Ratio | 10.64% | 12.14% | -1.50% | 44th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.67% | 11.37% | -0.70% | 55th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.16% | 11.09% | -0.93% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.15% | 80.63% | +4.52% | 40th below |
| Core Deposit Ratio | 99.13% | 86.85% | +12.28% | 98th top |
| Wholesale Funding Ratio | 0.82% | 5.04% | -4.22% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 25.91% | 6.84% | +19.07% | 97th top |
| Loan Growth (Y/Y) | 18.92% | 7.89% | +11.03% | 91st top |
| Deposit Growth (Y/Y) | 32.63% | 6.27% | +26.36% | 98th top |
See PB&T Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PB&T Bank, 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 PB&T Bank profile, how to read a UBPR, or how this data updates.