What is Pbt Bancorp's financial health grade?

Pbt Bancorp has a TFS Financial Health Grade of C- (score: 72.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Pbt Bancorp have?

Pbt Bancorp has 3 branch locations across the United States.

Is Pbt Bancorp FDIC insured?

Yes, Pbt Bancorp is FDIC insured (Certificate #8117).

What are the total assets of Pbt Bancorp?

Pbt Bancorp has total assets of $379.4M as reported in its most recent FDIC filing.

Pbt Bancorp

BankHazard, Kentucky

www.pbtb.com

Total Assets

$379.4M

Total Deposits

$333.0M

Branches

Established

1923

TFS Health Grade

C-

72.2 / 100

Average financial health

How we grade

Pbt Bancorp is a bank headquartered in Hazard, Kentucky, established in 1923. With $379.4M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (72.2/100).

Capital & Safety

Tier 1 Capital Ratio

9.49%(8%)

Total Capital Ratio

12.45%(10%)

Non-Performing Loan Ratio

3.25%

Profitability

Return on Assets (ROA)

2.22%(1%)

Return on Equity (ROE)

41.53%(10%)

Net Interest Margin

4.06%

Efficiency Ratio

54.56%(60%)

Lending & Liquidity

Total Loans

$301.6M

Loan-to-Deposit Ratio

89.60%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

+14.14%

Deposit Growth (YoY)

+9.25%

Net Income

$7.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Pbt BancorpHQ	524 Main St	Hazard	KY	11
Pbt Bancorp	107 Rockwood Ln	Hazard	KY	11
Pbt Bancorp	131 Citizens Ln	Hazard	KY	13

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.