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The Paducah Bank and Trust Company

$1B-$10B Specialty: Commercial KY FDIC cert 16664

Designations: ✓ Community bank

Paducah, KY

6 branches across KY

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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
  • Deposits +2.6% year over year ($844.2M on the books).
  • Delinquency rate 0.20%.
  • Return on assets 2.25%.
  • Efficiency ratio 54.60% vs a 59.73% peer average.
  • Loan-to-deposit ratio 94.48% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 16 in KY
View $1B-$10B leaderboard (KY) →

The Paducah Bank and Trust Company has 4 strengths but faces 2 concerns

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

  • + Credit Quality Leader: Top 2.3% in tier
  • + Profitability Leader: Top 11.3% in tier
  • + Net Interest Margin 0.36% above tier average
  • + Efficiency Ratio 5.13% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 44.5% in tier
  • - Liquidity Strain: Bottom 47.1% in tier
Get updates when The Paducah Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $1.1B
+4.0% YoY +5.1% QoQ
-$1.7B $2.8B
-0.6% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Bottom 6.8% in tier
Total Loans ? $797.6M
+8.5% YoY +2.6% QoQ
-$1.2B $2.0B
-0.3% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 14.1% in tier
Total Deposits ? $844.2M
+2.6% YoY +1.5% QoQ
-$1.5B $2.3B
-0.5% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 3.3% in tier
Return on Assets ? 2.25%
+32.3% YoY -3.5% QoQ
+0.86% 1.39%
+17.0% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 5.9% in tier
Net Interest Margin ? 4.23%
+6.3% YoY -0.9% QoQ
+0.36% 3.87%
+6.2% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 54.60%
-10.6% YoY +2.4% QoQ
-5.13% 59.73%
-12.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.20%
+479.0% YoY -4.4% QoQ
-0.67% 0.87%
+11.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 94.48%
+5.8% YoY +1.1% QoQ
+9.44% 85.04%
-0.1% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 23.86%
-7.2% YoY -0.5% QoQ
+2.59% 21.27%
-1.5% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
67%
Nonperforming Asset Ratio ? 0.15%
+463.9% YoY -6.6% QoQ
-0.53% 0.67%
+11.7% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 12.87%
-9.1% YoY -0.3% QoQ
-1.97% 14.84%
-0.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.44%
+2.9% YoY +93.0% QoQ
-0.09% 0.53%
+2.5% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
75%

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 (KY) National Avg Tier Percentile
Noninterest-Bearing 23.9%
-1.9pp YoY
-0.1pp QoQ
 +2.5pp 21.4% 23.5% 22.2% 67%
Brokered Deposits 11.7%
+7.2pp YoY
+4.0pp QoQ
 +2.3pp 9.5% 5.4% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 22.2%
+0.4pp YoY
+0.7pp QoQ
 +8.2pp 14.0% 8.6% 12.5% 84%
CRE 47.3%
+0.8pp YoY
-0.5pp QoQ
 -2.8pp 50.0% 37.1% 41.4% 42%
1-4 Family 27.4%
-1.1pp YoY
-0.4pp QoQ
 +1.0pp 26.4% 41.6% 31.3% 60%
Consumer 0.5%
-0.1pp YoY
0.0pp QoQ
 -4.2pp 4.7% 4.8% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 12.9%
-1.3pp YoY
0.0pp QoQ
 -2.7pp 15.6% 20.2% 19.7% 39%
Leverage Ratio 10.6%
-0.3pp YoY
+0.2pp QoQ
 -0.7pp 11.3% 14.0% 12.6% 52%
Total Capital Ratio 14.1%
-1.3pp YoY
0.0pp QoQ
 -2.6pp 16.7% 21.3% 20.8% 41%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 145
+3 (+2.1%) YoY
+5 (+3.6%) QoQ
 -169 313 105 482 20%
Assets per Employee ($) $7.4M
+1.8% YoY
+1.5% QoQ
 -$3.1M $10.5M $6.3M $8.8M 28%
Branch Count 6
0 YoY
0 QoQ
 -14 20 8 18 14%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.2%
+0.2pp YoY
+0.2pp QoQ
 -0.6pp 0.8% 0.8% 1.0% 21%
Allowance Coverage 7.89x
-83.4% YoY
+1.5% QoQ
 -10.82x 18.71x 7.45x 20.23x 85%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 21.5%
+5.3pp YoY
-0.3pp QoQ
 +8.9pp 12.6% 13.3% 11.6% 93%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.7% 1.7% 37%
Net Income ($, YTD) $11.6M
+37.1% YoY
— QoQ
 -$7.6M $19.2M $5.1M $40.4M 46%

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)

Credit Quality Leader

growth
#6 of 221 • Top 2.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Profitability Leader

growth
#26 of 222 • Top 11.3% in tier

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

Why this signature
Return on Assets: 2.25%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk
#180 of 402 • Bottom 44.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#171 of 361 • Bottom 47.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.48%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

53
Return on Assets
profitability
Value: 2.25%
Peer Median: 1.39%
#53 of 885 Top 5.9% in $1B-$10B
188
Net Interest Margin
profitability
Value: 4.23%
Peer Median: 3.87%
#188 of 885 Top 21.1% in $1B-$10B
189
Nonperforming Asset Ratio
credit_quality
Value: 0.15%
Peer Median: 0.67%
#189 of 885 Top 21.2% in $1B-$10B
193
Delinquency Rate
credit_quality
Value: 0.20%
Peer Median: 0.87%
#193 of 882 Top 21.8% in $1B-$10B

Top Weaknesses (3 metrics)

857
Total Deposits
size
Value: $844.23M
Peer Median: $2.32B
#857 of 885 Bottom 3.3% in $1B-$10B
826
Total Assets
size
Value: $1.07B
Peer Median: $2.79B
#826 of 885 Bottom 6.8% in $1B-$10B
761
Total Loans
size
Value: $797.61M
Peer Median: $1.96B
#761 of 885 Bottom 14.1% in $1B-$10B
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