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Pbt Bancorp
Hazard, KY · FDIC Certificate #8117 · Chartered 03/1
Total assets
$473.23M
Total deposits
$426.71M
Total equity
$23.96M
Net loans
$367.49M
Branches (offices)
6
Net income (YTD)
-$31.00K
Rank: #1,851 of 4,213 U.S. banks by assets · #43 of 120 in Kentucky. Assets changed 41.6% and deposits 39.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.01% |
| Return on equity | -0.26% |
| Net interest margin (YTD) | 4.24% |
| Equity to assets | 5.06% |
| Tier 1 leverage ratio | 8.15% |
| Uninsured deposits (share of deposits) | 22.3% |
| Noncurrent loans (share of loans) | 2.66% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 86.1% |
| Real estate loans (share of loans) | 70.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $259.76M | 70.7% | |
| Commercial & industrial | $64.88M | 17.7% | |
| Consumer / individual | $46.58M | 12.7% | |
| Construction & development | $31.99M | 8.7% | |
| Agricultural | $495.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $274.88M | $270.23M | $1.11M | $4.04M |
| Jun 2023 | $303.03M | $278.54M | $1.42M | $13.98M |
| Jun 2024 | $323.70M | $298.05M | $1.05M | $14.55M |
| Jun 2025 | $334.13M | $305.28M | $717.00K | $16.91M |
| Jun 2026 | $473.23M | $426.71M | -$31.00K | $23.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $426.71M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $426.71M.
Similar-sized banks
Community State Bank Of Orbisonia ($473.46M) · American National Bank Of Minnesota ($473.22M)
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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