PBT Bancorp: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at PBT Bancorp. Based in Hazard, Kentucky, it had $473 million in assets at June 30, 2026, up 41.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.66% of loans from 1.70% a year earlier. It earns about $0.19 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $201,000 was 48% below a year earlier. The non-owner-occupied commercial real estate book ($72 million) is worsening: 13.88% of it is past due or on nonaccrual, up from 0.80% a year earlier. Funding is the softer spot: it pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, PBT Bancorp reported a CET1 capital ratio of 9.35%, a return on assets of 0.19%, a nonperforming-loan ratio of 3.06% and a Texas ratio of 40.19%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 524 Main St, Hazard, KY 41701
- County
- Perry
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 19, 1923
- Former names
- Peoples Bank & Trust Company of Hazard (1989-2025)
- Offices
- 6 domestic
- Employees (FTE)
- 83
- Domestic deposits
- $426.7M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $427.5M
- Average total loans
- $337.4M
- Average interest-bearing deposits
- $309.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8117
- Fed RSSD
- 814711
- Website
- www.pbtb.com →
- Parent Holding Company
- HAZARD BANCORP (RSSD 1357082)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full PBT Bancorp terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock PBT Bancorp, 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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).
PBT Bancorp rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.35% | 0.19% | 3.06% | 40.19% | 4.29% |
| Q1 2026 | 10.30% | -0.23% | 3.38% | 41.79% | 4.03% |
| Q4 2025 | 11.42% | 6.57% | 3.83% | 40.76% | 4.17% |
| Q3 2025 | 11.30% | 1.09% | 2.46% | 26.24% | 3.99% |
| Q2 2025 | 10.79% | 0.45% | 2.43% | 23.09% | 3.61% |
| Q1 2025 | 11.33% | 0.40% | 2.37% | 21.18% | 3.42% |
| Q4 2024 | 11.50% | 0.30% | 2.97% | 28.11% | 3.20% |
| Q3 2024 | 12.23% | 0.50% | 3.16% | 25.95% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| PBT Bancorp (main office) | Hazard , KY | 41701 | $378.2M |
| Daniel Boone Branch | Hazard , KY | 41701 | $23.4M |
| Irvine Branch | Irvine , KY | 40336 | $16.8M |
| Stanton Branch | Stanton , KY | 40380 | $6.6M |
| West Irvine Branch | Irvine , KY | 40336 | $1.7M |
| Express Bank & Merchant Center Branch | Hazard , KY | 41701 | $46K |
Regulatory record
What the public regulatory sources show for PBT Bancorp, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action September 9, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KY, rank 55 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $357K approved, $357K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about PBT Bancorp
What are PBT Bancorp's total assets?
As of the Q2 2026 filing, PBT Bancorp reported total assets of $473.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is PBT Bancorp headquartered?
PBT Bancorp is headquartered in Hazard, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was PBT Bancorp founded?
PBT Bancorp was established in 1923, per the FDIC institution directory.
Is PBT Bancorp FDIC-insured?
Yes. PBT Bancorp is an FDIC-insured commercial bank (FDIC Certificate #8117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PBT Bancorp?
PBT Bancorp's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is PBT Bancorp's CET1 capital ratio?
PBT Bancorp reported a Common Equity Tier 1 (CET1) capital ratio of 9.35% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does PBT Bancorp operate?
PBT Bancorp operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PBT Bancorp's Texas Ratio?
PBT Bancorp's Texas Ratio is 40.19% in its Q2 2026 call report, between 25% and 50%, below the 50% 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; the glossary entry for the Texas Ratio carries the full definition.
What was PBT Bancorp previously called?
The charter now named PBT Bancorp has also operated as Peoples Bank & Trust Company of Hazard (1989-2025), per FDIC structure-change records.
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