The Paducah Bank and Trust Company: how it compares with its peers
Against 27 KY banks with half to twice its assets, The Paducah Bank and Trust Company's strongest measure in Q2 2026 is return on assets (2.25% vs. a 1.26% peer median). Its weakest relative measure is efficiency ratio (54.60% vs. 60.85%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.25% | 1.26% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 3.92% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.60% | 60.85% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.0M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.48% | 78.72% | Context |
What it means for lending operations
Its efficiency ratio of 54.60% is better than the 60.85% 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
- The Monticello Banking Company Monticello, KY · $1.07B
- The Farmers National Bank of Danville Danville, KY · $990M
- Edmonton State Bank Glasgow, KY · $1.15B
- American Bank & Trust Company, Inc. Bowling Green, KY · $924M
- First Southern National Bank Lancaster, KY · $1.28B
- Wilson & Muir Bank & Trust Company Bardstown, KY · $818M
Questions about The Paducah Bank and Trust Company
How big is The Paducah Bank and Trust Company?
The Paducah Bank and Trust Company, established in 1948, is headquartered in Paducah, KY. It reported $1.07B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Paducah Bank and Trust Company's return on assets?
2.25% annualized in Q2 2026, against a 1.26% median for 27 KY banks with half to twice its assets, ahead of 93% of them.
What is The Paducah Bank and Trust Company's efficiency ratio?
54.60% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 60.85%, and lower is better.
Is The Paducah Bank and Trust Company growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 2.6%.
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 KY 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 Kentucky bank ranked.