The Paducah Bank and Trust Company
Total assets
$1.07B
▲ +4.0% YoY
Deposits
$844.2M
▲ +2.6% YoY
Loans
$797.6M
▲ +8.5% YoY
Offices
6
PADUCAH BANK SHARES INC
ROA (annualized)
2.25%
peers 1.26%
ROE (annualized)
21.52%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.5% | -1.5 pts |
| Deposit growth (YoY) | +2.6% | +5.1% | -2.5 pts |
| Loan growth (YoY) | +8.5% | +5.9% | +2.6 pts |
| ROA | 2.25% | 1.26% | +1.0 pts |
| ROE | 21.5% | 12.2% | +9.3 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
Profile
- Established
- 1948
- Charter
- State
- Primary regulator
- FED
- Holding company
- PADUCAH BANK SHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 555 Jefferson St, Paducah, KY, 42001
- County
- Mccracken
- Metro area
- Paducah, KY-IL
- Offices
- 6
- FDIC cert #
- 16664
- RSSD ID
- 285740
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $844.2M | $797.6M | $106.8M | $11.6M | 2.25% | 4.23% | 0.15% |
| Q1 2026 | $1.02B | $831.6M | $777.3M | $103.7M | $5.9M | 2.33% | 4.27% | 0.16% |
| Q4 2025 | $1.02B | $805.8M | $777.8M | $113.2M | $18.3M | 1.83% | 4.16% | 0.02% |
| Q3 2025 | $996.9M | $790.2M | $758.6M | $110.9M | $13.2M | 1.76% | 4.09% | 0.02% |
| Q2 2025 | $1.03B | $823.1M | $735.1M | $107.4M | $8.5M | 1.70% | 3.98% | 0.03% |
| Q1 2025 | $1.03B | $831.1M | $723.7M | $104.4M | $4.1M | 1.65% | 3.88% | 0.04% |
| Q4 2024 | $938.7M | $739.7M | $713.6M | $101.5M | $13.5M | 1.41% | 3.65% | 0.05% |
| Q3 2024 | $976.8M | $778.0M | $706.8M | $101.0M | $9.8M | 1.35% | 3.53% | 0.05% |
Loan mix (Q2 2026): real estate $623.6M · commercial $176.9M · consumer $4.4M · securities $162.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.25% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 21.5% | 12.2% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.70% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 59.0% | 36th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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