BlastPoint's Banking Scorecard

Pbt Bancorp

$100M-$1B Specialty: Commercial KY FDIC cert 8117

Hazard, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
Deposits +39.8% year over year ($426.7M on the books).
Delinquency rate 2.70%.
Return on assets -0.01%.
Efficiency ratio 90.25% vs a 64.48% peer average.
Loan-to-deposit ratio 86.12% 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 88 in KY

View $100M-$1B leaderboard (KY) →

Pbt Bancorp has 1 strength but faces 5 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

+ Net Interest Margin 0.25% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 15.5% in tier
- NIB Deposit Bleed: Bottom 25.9% in tier
- Return on Assets 1.34% below tier average
- Delinquency Rate 1.78% above tier average
- Nonperforming Asset Ratio 1.72% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$473.2M +41.6% YoY +9.6% QoQ	+$86.7M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$367.5M +42.5% YoY +10.2% QoQ	+$109.1M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$426.7M +39.8% YoY +12.6% QoQ	+$100.0M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	-0.01% -103.4% YoY +93.7% QoQ	-1.34%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	Bottom 3.3% in tier
Net Interest Margin ?	4.24% +12.8% YoY +0.8% QoQ	+0.25%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	90.25% +3.3% YoY -1.9% QoQ	+25.77%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	Bottom 5.6% in tier
Delinquency Rate ?	2.70% +57.0% YoY -10.1% QoQ	+1.78%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	Bottom 7.5% in tier
Loan-to-Deposit Ratio ?	86.12% +1.9% YoY -2.1% QoQ	+8.17%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	16.56% -19.1% YoY -10.9% QoQ	-5.47%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	2.39% +74.2% YoY -8.5% QoQ	+1.72%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	Bottom 5.1% in tier
Tier 1 Capital Ratio ?	9.35% -13.3% YoY -9.2% QoQ	-6.55%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	Bottom 3.4% in tier
Non-Interest Income / Assets ?	0.22% -12.5% YoY +88.3% QoQ	-0.34%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	56%

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	16.6% -3.9pp YoY -2.0pp QoQ	-5.6pp	22.1%	23.5%	22.2%	30%
Brokered Deposits	9.4% +2.6pp YoY +1.5pp QoQ	+1.5pp	7.9%	5.4%	8.5%	73%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	17.7% +1.3pp YoY +0.1pp QoQ	+6.1pp	11.6%	8.6%	12.5%	84%
CRE	39.0% -9.0pp YoY -3.3pp QoQ	-0.5pp	39.5%	37.1%	41.4%	51%
1-4 Family	31.3% +5.7pp YoY +2.1pp QoQ	-1.3pp	32.6%	41.6%	31.3%	54%
Consumer	12.7% +2.7pp YoY +1.2pp QoQ	+8.6pp	4.1%	4.8%	5.0%	95%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	9.3% -1.4pp YoY -1.0pp QoQ	-9.5pp	18.8%	20.2%	19.7%	0%
Leverage Ratio	8.2% -0.5pp YoY -0.5pp QoQ	-4.0pp	12.2%	14.0%	12.6%	3%
Total Capital Ratio	10.5% -1.4pp YoY -1.0pp QoQ	-9.4pp	19.9%	21.3%	20.8%	0%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	83 +21 (+33.9%) YoY 0 QoQ	+24	58	105	482	79%
Assets per Employee ($)	$5.7M +5.8% YoY +9.6% QoQ	-$1.8M	$7.5M	$6.3M	$8.8M	27%
Branch Count	6 +3 (+100.0%) YoY +1 (+20.0%) QoQ	+1	4	8	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.4%	55%
Nonaccrual	2.6% +1.0pp YoY -0.3pp QoQ	+1.6pp	0.9%	0.8%	1.0%	92%
Allowance Coverage	0.43x -36.5% YoY +10.3% QoQ	-23.73x	24.15x	7.45x	20.23x	7%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	-0.3% -8.8pp YoY +3.7pp QoQ	-12.5pp	12.2%	13.3%	11.6%	3%
Cost of Funds (YTD)	2.5% 0.0pp YoY +0.1pp QoQ	+0.8pp	1.7%	1.7%	1.7%	90%
Net Income ($, YTD)	$-31000.0 -104.3% YoY — QoQ	-$2.6M	$2.6M	$5.1M	$40.4M	3%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#57 of 361 • Bottom 15.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 90.25%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline

#43 of 162 • Bottom 25.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 16.56%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

642

Total Loans

size

Value: $367.49M

Peer Median: $258.35M

#642 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (5 metrics)

2558

Return on Assets

profitability

Value: -0.01%

Peer Median: 1.32%

#2558 of 2643 Bottom 3.3% in $100M-$1B

2553

Tier 1 Capital Ratio

capital

Value: 9.35%

Peer Median: 15.91%

#2553 of 2643 Bottom 3.4% in $100M-$1B

2508

Nonperforming Asset Ratio

credit_quality

Value: 2.39%

Peer Median: 0.67%

#2508 of 2643 Bottom 5.1% in $100M-$1B

2495

Efficiency Ratio

profitability

Value: 90.25%

Peer Median: 64.48%

#2495 of 2643 Bottom 5.6% in $100M-$1B

2436

Delinquency Rate

credit_quality

Value: 2.70%

Peer Median: 0.92%

#2436 of 2633 Bottom 7.5% in $100M-$1B