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Pbk Bank, Inc.
Stanford, KY · FDIC Certificate #9313 · Chartered 01/0
Total assets
$175.56M
Total deposits
$150.43M
Total equity
$24.62M
Net loans
$97.60M
Branches (offices)
6
Net income (YTD)
$1.57M
Rank: #3,144 of 4,213 U.S. banks by assets · #87 of 120 in Kentucky. Assets changed 5.9% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.82% |
| Return on equity | 13.09% |
| Net interest margin (YTD) | 5.10% |
| Equity to assets | 14.03% |
| Tier 1 leverage ratio | 15.17% |
| Uninsured deposits (share of deposits) | 9.0% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 64.9% |
| Real estate loans (share of loans) | 85.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $83.56M | 85.6% | |
| Commercial & industrial | $3.34M | 3.4% | |
| Consumer / individual | $8.71M | 8.9% | |
| Construction & development | $5.81M | 6.0% | |
| Agricultural | $1.94M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $156.22M | $140.16M | $877.00K | $15.60M |
| Jun 2023 | $152.12M | $134.48M | $1.42M | $17.24M |
| Jun 2024 | $157.45M | $137.72M | $1.45M | $19.29M |
| Jun 2025 | $165.83M | $143.11M | $1.60M | $22.16M |
| Jun 2026 | $175.56M | $150.43M | $1.57M | $24.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $150.43M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $150.43M.
Similar-sized banks
Brunswick State Bank ($175.61M) · Farmers & Merchants Bank & Trust ($175.07M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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