BlastPoint's Banking Scorecard
Pbt Bancorp
Hazard, KY
3 branches across KY
Pbt Bancorp has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.0% in tier
- - Return on Assets 1.50% below tier average
- - Delinquency Rate 2.11% above tier average
- - Nonperforming Asset Ratio 1.98% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$431.7M
+25.1% YoY
+13.8% QoQ
|
+$45.6M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$333.4M
+32.0% YoY
+11.7% QoQ
|
+$77.7M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$378.8M
+20.9% YoY
+13.8% QoQ
|
+$50.9M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
-0.23%
-159.3% YoY
-110.3% QoQ
|
-1.50% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.4% in tier |
| Net Interest Margin ? |
4.20%
+17.3% YoY
+3.5% QoQ
|
+0.27% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
91.97%
+5.2% YoY
+68.6% QoQ
|
+26.68% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate ? |
3.00%
+85.2% YoY
-8.7% QoQ
|
+2.11% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.2% in tier |
| Loan-to-Deposit Ratio ? |
88.00%
+9.2% YoY
-1.8% QoQ
|
+11.36% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
18.59%
-6.2% YoY
-5.4% QoQ
|
-3.43% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
2.62%
+112.3% YoY
-10.5% QoQ
|
+1.98% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.1% in tier |
| Tier 1 Capital Ratio ? |
10.30%
-9.0% YoY
-9.7% QoQ
|
-5.53% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.6% in tier |
| Non-Interest Income / Assets ? |
0.12%
+5.8% YoY
-95.6% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
62% |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.