BlastPoint's Banking Scorecard

PB&T Bank

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

Pueblo, CO

17 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

PB&T Bank shows strong momentum with 5 strengths and 33.4% 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 20.9% in tier
+ Deposit Franchise: Top 61.8% in tier
+ Return on Assets 1.10% above tier average
+ Efficiency Ratio 6.73% below tier average
+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when PB&T Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$842.2M +33.4% YoY +27.0% QoQ	+$456.2M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	Top 6.3% in tier
Total Loans ?	$604.9M +29.8% YoY +16.8% QoQ	+$349.2M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	Top 5.9% in tier
Total Deposits ?	$731.9M +33.3% YoY +31.4% QoQ	+$404.0M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	Top 5.3% in tier
Return on Assets ?	2.37% -4.3% YoY -3.9% QoQ	+1.10%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	Top 6.1% in tier
Net Interest Margin ?	4.95% +1.6% YoY -5.2% QoQ	+1.02%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	Top 7.7% in tier
Efficiency Ratio ?	58.56% -2.4% YoY -0.4% QoQ	-6.73%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.61% +195.8% QoQ	-0.28%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	82.64% -2.6% YoY -11.1% QoQ	+6.00%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	31.12% -3.7% YoY -7.6% QoQ	+9.10%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.54% +203.1% YoY +63.8% QoQ	-0.10%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	12.28% -18.7% YoY -15.7% QoQ	-3.55%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.24% -41.9% YoY -82.4% QoQ	-0.04%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	Top 10.0% in tier

Get Full Access to PB&T Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Revenue Diversifier

growth

#140 of 666 • Top 20.9% 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: 0.24%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.37%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#169 of 272 • Top 61.8% 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: 31.12%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.95%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

141

Total Deposits

size

Value: $731.92M

Peer Median: $327.97M

#141 of 2664 Top 5.3% in $100M-$1B

158

Total Loans

size

Value: $604.87M

Peer Median: $255.72M

#158 of 2664 Top 5.9% in $100M-$1B

163

Return on Assets

profitability

Value: 2.37%

Peer Median: 1.27%

#163 of 2664 Top 6.1% in $100M-$1B

168

Total Assets

size

Value: $842.24M

Peer Median: $386.08M

#168 of 2664 Top 6.3% in $100M-$1B

207

Net Interest Margin

profitability

Value: 4.95%

Peer Median: 3.93%

#207 of 2664 Top 7.7% in $100M-$1B

267

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#267 of 2664 Top 10.0% in $100M-$1B

415

Non-Interest-Bearing Deposit Share

funding

Value: 31.12%

Peer Median: 22.02%

#415 of 2664 Top 15.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available