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PB&T Bank - Main

$100M-$1B Specialty: Commercial CO FDIC cert 12594

Pueblo, CO

17 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
  • Deposits +32.6% year over year ($717.6M on the books).
  • Delinquency rate 0.55%.
  • Return on assets 2.35%.
  • Efficiency ratio 58.42% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

PB&T Bank - Main shows strong momentum with 5 strengths and 25.9% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 18.0% in tier
  • + Deposit Franchise: Top 35.2% in tier
  • + Profitability Leader: Top 47.0% in tier
  • + Efficiency Ratio 6.06% below tier average
  • + Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when PB&T Bank - Main releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $815.2M
+25.9% YoY -3.2% QoQ
+$428.6M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
Top 7.3% in tier
Total Loans ? $603.4M
+19.0% YoY -0.2% QoQ
+$345.0M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
Top 6.0% in tier
Total Deposits ? $717.6M
+32.6% YoY -2.0% QoQ
+$390.9M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
Top 5.8% in tier
Return on Assets ? 2.35%
+1.9% YoY -0.9% QoQ
+1.03% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
Top 6.5% in tier
Net Interest Margin ? 5.17%
+2.1% YoY +4.4% QoQ
+1.18% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
Top 5.9% in tier
Efficiency Ratio ? 58.42%
-0.7% YoY -0.2% QoQ
-6.06% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.55%
-9.9% QoQ
-0.37% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 84.08%
-10.3% YoY +1.7% QoQ
+6.13% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 33.16%
-0.6% YoY +6.6% QoQ
+11.13% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
Top 12.3% in tier
Nonperforming Asset Ratio ? 0.42%
+117.0% YoY -22.1% QoQ
-0.25% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 12.67%
-11.5% YoY +3.2% QoQ
-3.24% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.52%
-29.0% YoY +120.1% QoQ
-0.05% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
Top 8.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Noninterest-Bearing 33.2%
-0.2pp YoY
+2.0pp QoQ
 +11.0pp 22.1% 23.5% 22.2% 88%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 8.9%
+0.8pp YoY
+1.6pp QoQ
 -2.7pp 11.6% 8.4% 12.5% 45%
CRE 74.3%
-4.2pp YoY
-0.1pp QoQ
 +34.8pp 39.5% 42.8% 41.4% 95%
1-4 Family 10.7%
-0.3pp YoY
-1.1pp QoQ
 -21.9pp 32.6% 33.0% 31.3% 12%
Consumer 0.3%
+0.2pp YoY
-0.1pp QoQ
 -3.8pp 4.1% 3.9% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 12.7%
-1.6pp YoY
+0.4pp QoQ
 -6.2pp 18.8% 24.9% 19.7% 24%
Leverage Ratio 10.6%
-1.7pp YoY
+0.4pp QoQ
 -1.5pp 12.2% 12.5% 12.6% 44%
Total Capital Ratio 13.9%
-1.7pp YoY
+0.4pp QoQ
 -6.1pp 19.9% 26.1% 20.8% 25%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 158
+22 (+16.2%) YoY
+10 (+6.8%) QoQ
 +99 58 107 482 98%
Assets per Employee ($) $5.2M
+8.4% YoY
-9.3% QoQ
 -$2.4M $7.5M $7.8M $8.8M 17%
Branch Count 17
+5 (+41.7%) YoY
0 QoQ
 +12 4 7 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual 0.5%
+0.5pp YoY
-0.1pp QoQ
 -0.4pp 0.9% 0.8% 1.0% 55%
Allowance Coverage 2.31x
-95.6% YoY
+15.8% QoQ
 -21.84x 24.15x 12.16x 20.23x 52%
Net Charge-off Rate (YTD) -0.0%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 21.3%
+1.9pp YoY
+0.2pp QoQ
 +9.1pp 12.2% 9.7% 11.6% 91%
Cost of Funds (YTD) 0.9%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 1.7% 1.7% 1.7% 9%
Net Income ($, YTD) $9.1M
+24.7% YoY
— QoQ
 +$6.5M $2.6M $5.4M $40.4M 98%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth
#120 of 661 • Top 18.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.52%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.35%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#99 of 278 • Top 35.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.16%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.17%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#312 of 661 • Top 47.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.35%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

153
Total Deposits
size
Value: $717.63M
Peer Median: $326.73M
#153 of 2643 Top 5.8% in $100M-$1B
158
Net Interest Margin
profitability
Value: 5.17%
Peer Median: 3.99%
#158 of 2643 Top 5.9% in $100M-$1B
159
Total Loans
size
Value: $603.38M
Peer Median: $258.35M
#159 of 2643 Top 6.0% in $100M-$1B
172
Return on Assets
profitability
Value: 2.35%
Peer Median: 1.32%
#172 of 2643 Top 6.5% in $100M-$1B
193
Total Assets
size
Value: $815.17M
Peer Median: $386.57M
#193 of 2643 Top 7.3% in $100M-$1B
236
Non-Interest Income / Assets
revenue_mix
Value: 0.52%
Peer Median: 0.57%
#236 of 2643 Top 8.9% in $100M-$1B
327
Non-Interest-Bearing Deposit Share
funding
Value: 33.16%
Peer Median: 22.03%
#327 of 2643 Top 12.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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