FDIC Cert #8117 · Hazard, Kentucky · Est. 1923

Pbt Bancorp - FDIC Bank Health Profile

A community-scale look at Pbt Bancorp's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$379M
Total assets
B
Health grade · Good
2.22%
Return on assets
11.4%
Tier 1 capital

Data updated July 2026

The verdict

Pbt Bancorp earns a PlainBankData health grade of B (69/100), with well-capitalized at 11.42% Tier 1, profitable at 2.22% ROA, efficient (55% cost ratio).

#2,157
largest of 4,313 FDIC banks by assets
50th
percentile by asset size, nationally
11.42%
Tier 1 ratio - above the 10% well-capitalized line
94th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 8117 · KY B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3119/4307
  • PHOTO-FINISH Citizens State Bank · MI
  • TIER1-WELL 11.4% Tier 1
  • TEXAS-HEALTHY 36.0% Texas
  • ROA-STRONG 2.22% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: Citizens State Bank, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Pbt Bancorp

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Erath · LA · near69/100Citizens State Bank · MI · n…69/100Pbt Bancorp · KY · this bank69/100Scott State Bank · IL · near69/100State Bank of Fairmont · MN …69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Pbt Bancorp · July 2026

What Pbt Bancorp's Call Report plate shows

Pbt Bancorp (FDIC Cert #8117) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,119 of 4,307. Tier 1 capital prints at 11.42%, clearing the 10% well-capitalized line. The Texas Ratio is 35.98%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.22%. Balance-sheet scale is $379M, 2,157th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens State Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Pbt Bancorp

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Pbt Bancorp's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Pbt Bancorp remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Pbt Bancorp's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
Pbt Bancorp's composite health score
Tier 1 Capital Ratio (11.42%) 28/40
Return on Assets (ROA) (2.22%) 25/25
Texas Ratio (35.98%) 4/20
Efficiency Ratio (54.56%) 12/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$379M

Total balance-sheet footings

Total Deposits

$333M

Customer-funded liabilities

Net Loans

$298M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.02% 11.42% 12.82%
Basel III capital ratios - Pbt Bancorp

Where Pbt Bancorp ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pbt Bancorp's score of 69/100 falls in the highlighted band.

Pbt Bancorp: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Pbt Bancorp 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Pbt Bancorp's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pbt Bancorp's $379M falls in the highlighted band.

Safety ratios for Pbt Bancorp

Tier 1 capital ratio
Well-capitalized 10%

11.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.42%
Texas Ratio
35.98%
Equity Capital
$24M

What these ratios mean →

Earnings posture at Pbt Bancorp

Return on Assets (ROA)
94th percentile nationally
2.22%
Return on Equity (ROE)
41.53%
Efficiency Ratio
54.56%

What these mean →

Income & expense at Pbt Bancorp

$21M
Interest Income
$10M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Pbt Bancorp reports a Texas Ratio of 35.98% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

35.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Pbt Bancorp on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($379M here), outside Kentucky so the neighborhood is not state containment.

First Federal Savings and Loan Associ… $379M · MS The Community State Bank $380M · OK First FarmBank $380M · CO Georgia Community Bank $380M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pbt Bancorp (FDIC Cert #8117) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Pbt Bancorp Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%