Pbt Bancorp: how it compares with its peers
Against 54 KY banks with half to twice its assets, Pbt Bancorp's strongest measure in Q2 2026 is net interest margin (4.24% vs. a 3.82% peer median). Its weakest relative measure is return on assets (-0.01% vs. 1.32%).
| Measure | Pbt Bancorp | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.01% | 1.32% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.24% | 3.82% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.25% | 58.22% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.2M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.12% | 83.73% | Context |
What it means for lending operations
Its efficiency ratio of 90.25% is above the 58.22% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Russell Springs Russell Springs, KY · $475M
- Eclipse Bank, Inc. Louisville, KY · $486M
- United Cumberland Bank Whitley City, KY · $460M
- Springfield State Bank Springfield, KY · $487M
- Meade County Bank Brandenburg, KY · $458M
- The Lincoln National Bank of Hodgenville Hodgenville, KY · $454M
Questions about Pbt Bancorp
How big is Pbt Bancorp?
Pbt Bancorp, established in 1923, is headquartered in Hazard, KY. It reported $473M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Pbt Bancorp's return on assets?
-0.01% annualized in Q2 2026, against a 1.32% median for 54 KY banks with half to twice its assets, ahead of 0% of them.
What is Pbt Bancorp's efficiency ratio?
90.25% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 58.22%, and lower is better.
Is Pbt Bancorp growing its loans?
Net loans grew 42.5% over the year to Q2 2026, while deposits grew 39.8%.
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.