PB&T Bank: how it compares with its peers
Against 18 CO banks with half to twice its assets, PB&T Bank's strongest measure in Q2 2026 is net interest margin (5.17% vs. a 3.83% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $7.8M).
| Measure | PB&T Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.35% | 1.46% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.17% | 3.83% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.42% | 63.94% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $7.8M | Bottom third Ahead of 6% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.08% | 83.50% | Context |
What it means for lending operations
Its efficiency ratio of 58.42% is better than the 63.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Timberline Bank Grand Junction, CO · $833M
- Points West Community Bank Windsor, CO · $878M
- AMG National Trust Bank Boulder, CO · $723M
- The Eastern Colorado Bank Cheyenne Wells, CO · $721M
- Yampa Valley Bank Steamboat Springs, CO · $688M
- First Southwest Bank Durango, CO · $657M
Questions about PB&T Bank
How big is PB&T Bank?
PB&T Bank, established in 1889, is headquartered in Pueblo, CO. It reported $815M in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is PB&T Bank's return on assets?
2.35% annualized in Q2 2026, against a 1.46% median for 18 CO banks with half to twice its assets, ahead of 94% of them.
What is PB&T Bank's efficiency ratio?
58.42% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 63.94%, and lower is better.
Is PB&T Bank growing its loans?
Net loans grew 19.0% over the year to Q2 2026, while deposits grew 32.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.