| Metric | Pbt Bancorp | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +41.6% | +4.4% | +37.3 pts |
| Deposit growth (YoY) | +39.8% | +4.0% | +35.8 pts |
| Loan growth (YoY) | +42.5% | +5.6% | +36.9 pts |
| ROA | -0.01% | 1.24% | -1.3 pts |
| ROE | -0.3% | 11.9% | -12.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $473.2M | $426.7M | $367.5M | $24.0M | $-31K | -0.01% | 4.24% | 2.39% |
| Q1 2026 | $431.7M | $378.8M | $333.4M | $23.2M | $-232K | -0.23% | 4.20% | 2.62% |
| Q4 2025 | $379.4M | $333.0M | $298.4M | $24.0M | $7.7M | 2.22% | 4.06% | 2.92% |
| Q3 2025 | $354.0M | $322.9M | $273.0M | $19.0M | $1.7M | 0.65% | 3.92% | 1.62% |
| Q2 2025 | $334.1M | $305.3M | $258.0M | $16.9M | $717K | 0.43% | 3.76% | 1.37% |
| Q1 2025 | $345.0M | $313.3M | $252.5M | $17.1M | $327K | 0.39% | 3.58% | 1.23% |
| Q4 2024 | $332.4M | $304.8M | $239.6M | $16.3M | $1.7M | 0.52% | 3.22% | 1.63% |
| Q3 2024 | $325.5M | $298.8M | $228.0M | $15.4M | $1.4M | 0.59% | 3.18% | 1.47% |
Loan mix (Q2 2026): real estate $259.8M · commercial $64.9M · consumer $46.6M · securities $37.9M
| Ratio | Pbt Bancorp | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 1.24% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 11.9% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 62.9% | 94th |
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 | Pbt Bancorp | 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 | Pbt Bancorp | 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 | Pbt Bancorp | 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 | Pbt Bancorp | 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 | Pbt Bancorp | 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.
6 branches in 3 counties across 1 state (+3 vs 2025) · $426.7M branch deposits. Biggest market: Perry, KY, ranked 1st with 43.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Perry, KY | 3 | $401.6M | 43.26% | 1st |
| Estill, KY | 2 | $18.5M | 10.54% | 2nd |
| Powell, KY | 1 | $6.6M | 3.48% | 4th |
Kentucky: 66th with 0.30% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 3 · 2026 6
Technology spend in line with peers (22 bps of assets, 2025). 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).