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The Paducah Bank And Trust Company
Paducah, KY · FDIC Certificate #16664 · Chartered 01/2
Total assets
$1.07B
Total deposits
$844.23M
Total equity
$106.78M
Net loans
$797.61M
Branches (offices)
6
Net income (YTD)
$11.61M
Rank: #985 of 4,213 U.S. banks by assets · #17 of 120 in Kentucky. Assets changed 4.0% and deposits 2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.25% |
| Return on equity | 21.52% |
| Net interest margin (YTD) | 4.23% |
| Equity to assets | 10.00% |
| Tier 1 leverage ratio | 10.63% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 94.5% |
| Real estate loans (share of loans) | 78.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $623.57M | 78.2% | |
| Commercial & industrial | $176.87M | 22.2% | |
| Consumer / individual | $4.35M | 0.5% | |
| Construction & development | $79.87M | 10.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $834.98M | $683.12M | $5.63M | $88.22M |
| Jun 2023 | $909.53M | $717.36M | $5.55M | $91.26M |
| Jun 2024 | $962.73M | $775.68M | $6.46M | $97.40M |
| Jun 2025 | $1.03B | $823.12M | $8.47M | $107.38M |
| Jun 2026 | $1.07B | $844.23M | $11.61M | $106.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $844.23M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $844.23M.
Similar-sized banks
The Monticello Banking Company ($1.07B) · Core Bank ($1.07B)
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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