PB&T Bank: 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.
Reserve coverage of non-performing loans climbed 4.19 percentage points in Q2 2026, from 56.07% to 60.26%. It was the largest change from Q1 2026 among the key lines here. On return on assets, PB&T Bank ranks 6th highest among the 63 banks headquartered in Colorado, at 2.29% (Q2 2026). PB&T Bank's return on assets of 2.29% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.04 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.67% |
| Tier 1 risk-based capital ratio | 12.67% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 10.67% |
| Tangible equity to tangible assets | 10.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.08% |
| Non-performing assets ratio | 1.57% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 14.26% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 60.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.29% |
| Return on equity | 21.48% |
| Net interest margin | 5.17% |
| Efficiency ratio | 57.95% |
| Yield on earning assets | 6.14% |
| Cost of funds | 1.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.15% |
| Core deposits to total deposits | 99.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.04% |
| Securities to assets | 15.35% |
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 | 13.68% | 13.68% | 14.93% | 10.78% | 2.03% |
| Q4 2023 | 14.41% | 14.41% | 15.66% | 10.98% | 2.09% |
| Q1 2024 | 14.79% | 14.79% | 16.04% | 11.27% | 1.79% |
| Q2 2024 | 15.36% | 15.36% | 16.61% | 11.60% | 2.77% |
| Q3 2024 | 15.60% | 15.60% | 16.85% | 11.75% | 2.09% |
| Q4 2024 | 15.51% | 15.51% | 16.77% | 12.13% | 1.93% |
| Q1 2025 | 15.11% | 15.11% | 16.36% | 12.56% | 2.49% |
| Q2 2025 | 14.31% | 14.31% | 15.56% | 12.39% | 2.14% |
| Q3 2025 | 13.96% | 13.96% | 15.20% | 12.42% | 2.76% |
| Q4 2025 | 14.57% | 14.57% | 15.82% | 12.60% | 2.44% |
| Q1 2026 | 12.28% | 12.28% | 13.44% | 10.26% | 2.19% |
| Q2 2026 | 12.67% | 12.67% | 13.87% | 10.64% | 2.29% |
PB&T Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PB&T Bank, 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 PB&T Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12594) · FFIEC NIC profile (RSSD 106452)