PBK BANK, INC.: how it compares with its peers
Against 49 KY banks with half to twice its assets, PBK BANK, INC.'s strongest measure in Q2 2026 is net interest margin (5.10% vs. a 4.10% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $5.8M).
| Measure | PBK BANK, INC. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.82% | 1.45% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.10% | 4.10% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.87% | 62.99% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $5.8M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.88% | 80.17% | Context |
What it means for lending operations
Its efficiency ratio of 57.87% is better than the 62.99% 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
- Jackson County Bank Mc Kee, KY · $176M
- Citizens Bank and Trust of Lebanon, Inc. Lebanon, KY · $173M
- Bank of Clarkson Clarkson, KY · $178M
- Auburn Banking Company Auburn, KY · $164M
- Bank of Maysville Maysville, KY · $164M
- The Salyersville National Bank Salyersville, KY · $164M
Questions about PBK BANK, INC.
How big is PBK BANK, INC.?
PBK BANK, INC., established in 1906, is headquartered in Stanford, KY. It reported $176M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is PBK BANK, INC.'s return on assets?
1.82% annualized in Q2 2026, against a 1.45% median for 49 KY banks with half to twice its assets, ahead of 80% of them.
What is PBK BANK, INC.'s efficiency ratio?
57.87% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 62.99%, and lower is better.
Is PBK BANK, INC. growing its loans?
Net loans shrank 0.3% over the year to Q2 2026, while deposits grew 5.1%.
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.