| Metric | PBK BANK, INC. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.4% | +1.5 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.2 pts |
| Loan growth (YoY) | -0.3% | +5.6% | -5.9 pts |
| ROA | 1.82% | 1.24% | +0.6 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.6M | $150.4M | $97.6M | $24.6M | $1.6M | 1.82% | 5.10% | 0.26% |
| Q1 2026 | $172.0M | $147.6M | $102.3M | $23.9M | $776K | 1.81% | 5.04% | 0.25% |
| Q4 2025 | $170.5M | $146.5M | $100.6M | $23.6M | $3.2M | 1.92% | 5.29% | 0.29% |
| Q3 2025 | $166.2M | $142.1M | $98.3M | $23.6M | $2.5M | 2.02% | 5.34% | 0.31% |
| Q2 2025 | $165.8M | $143.1M | $97.9M | $22.2M | $1.6M | 1.95% | 5.28% | 0.43% |
| Q1 2025 | $167.4M | $145.5M | $95.5M | $21.2M | $723K | 1.77% | 5.15% | 0.23% |
| Q4 2024 | $159.3M | $138.7M | $94.2M | $20.2M | $2.9M | 1.87% | 5.40% | 0.26% |
| Q3 2024 | $158.5M | $137.2M | $94.6M | $20.8M | $2.3M | 1.97% | 5.43% | 0.26% |
Loan mix (Q2 2026): real estate $83.6M · commercial $3.3M · consumer $8.7M · securities $38.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | PBK BANK, INC. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 1.24% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 62.9% | 35th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | PBK BANK, INC. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | PBK BANK, INC. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | PBK BANK, INC. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | PBK BANK, INC. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | PBK BANK, INC. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 2.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
6 branches in 3 counties across 1 state (+0 vs 2025) · $150.4M branch deposits. Biggest market: Lincoln, KY, ranked 2nd with 24.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, KY | 3 | $103.0M | 24.42% | 2nd |
| Boyle, KY | 2 | $40.9M | 3.52% | 7th |
| Rockcastle, KY | 1 | $6.5M | 2.04% | 4th |
Kentucky: 129th with 0.11% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6