Total Assets
$663M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
PB&T Bank — FDIC Bank Health Profile
Pueblo, Colorado · Est. 1889. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #12594 Dallas Region
B
Health grade
Good
Score: 72/100
Basel III capital ratios — PB&T Bank
Total Deposits
$557M
Customer-funded liabilities
Net Loans
$518M
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
14.57% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
14.57%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$83M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.47%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
20.50%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
58.77%
Income & Expense Breakdown
$38M
Interest Income
$9M
Non-Interest Income
$24M
Non-Interest Expense
FDIC Deposit Insurance
PB&T Bank is FDIC-insured (Certificate #12594). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About PB&T Bank
PB&T Bank is an FDIC-insured institution (Certificate #12594) headquartered in Pueblo, Colorado, established in 1889. The bank currently holds $663M in total assets and $557M in customer deposits, with $518M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, PB&T Bank reports a Tier 1 Capital Ratio of 14.57% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $83M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.47% and a Return on Equity of 20.50%, with an Efficiency Ratio of 58.77% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (72/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at PB&T Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Colorado by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data PB&T Bank (FDIC Cert #12594) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBank Lakewood | $26.5B | B | 1.20% |
| NBH Bank Greenwood Village | $9.8B | B | 1.18% |
| Bank of Colorado Fort Collins | $7.7B | B | 1.07% |
| Alpine Bank Glenwood Springs | $6.9B | C | 1.16% |
| First Western Trust Bank Denver | $3.2B | D | 0.51% |
| ANB Bank Denver | $3.0B | C | 0.81% |
| Colorado Federal Savings Bank Greenwood Village | $2.7B | B | 0.57% |
| Solera National Bank Lakewood | $1.6B | D | 1.86% |
Frequently Asked Questions
What is PB&T Bank's health grade? ▼
PB&T Bank receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is PB&T Bank? ▼
PB&T Bank holds $663M in total assets and $557M in deposits. It is headquartered in Pueblo, Colorado.
Is my money safe at PB&T Bank? ▼
Yes. PB&T Bank is FDIC-insured (Certificate #12594). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is PB&T Bank's Tier 1 Capital Ratio? ▼
PB&T Bank has a Tier 1 Capital Ratio of 14.57%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is PB&T Bank? ▼
PB&T Bank has an Efficiency Ratio of 58.77%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.