BlastPoint's Banking Scorecard
PBK BANK, INC.
Stanford, 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 +5.1% year over year ($150.4M on the books).
- Delinquency rate 0.46%.
- Return on assets 1.82%.
- Efficiency ratio 57.87% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.88% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
PBK BANK, INC. shows strong momentum with 5 strengths and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 32.2% in tier
- + Net Interest Margin 1.11% above tier average
- + ROA 0.50% above tier average
- + Efficiency Ratio 6.61% below tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.6M
+5.9% YoY
+2.0% QoQ
|
-$211.0M |
$386.6M
+1.2% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$97.6M
-0.3% YoY
-4.6% QoQ
|
-$160.7M |
$258.3M
+1.7% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$150.4M
+5.1% YoY
+1.9% QoQ
|
-$176.3M |
$326.7M
+0.7% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.82%
-6.4% YoY
+0.6% QoQ
|
+0.50% |
1.32%
+10.8% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
5.10%
-3.5% YoY
+1.2% QoQ
|
+1.11% |
3.99%
+5.0% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Top 6.8% in tier |
| Efficiency Ratio ? |
57.87%
+1.7% YoY
-1.4% QoQ
|
-6.61% |
64.48%
-3.2% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.46%
-37.1% YoY
+9.2% QoQ
|
-0.46% |
0.92%
+15.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
64.88%
-5.1% YoY
-6.4% QoQ
|
-13.07% |
77.95%
+1.0% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
24.73%
+9.0% YoY
+6.7% QoQ
|
+2.70% |
22.03%
-0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.26%
-40.7% YoY
+2.1% QoQ
|
-0.41% |
0.67%
+16.4% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
15.17%
+3.8% YoY
+1.3% QoQ
|
-0.73% |
15.91%
+1.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.50%
+1.0% YoY
+90.0% QoQ
|
-0.06% |
0.57%
+7.6% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
Top 9.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
24.7%
+2.0pp YoY +1.6pp QoQ |
+2.6pp | 22.1% | 23.5% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.4%
-2.0pp YoY -0.7pp QoQ |
-8.1pp | 11.6% | 8.6% | 12.5% | 11% |
| CRE |
20.1%
-5.4pp YoY -3.5pp QoQ |
-19.5pp | 39.5% | 37.1% | 41.4% | 18% |
| 1-4 Family |
51.3%
+8.1pp YoY +3.3pp QoQ |
+18.6pp | 32.6% | 41.6% | 31.3% | 83% |
| Consumer |
8.9%
+0.2pp YoY +0.3pp QoQ |
+4.8pp | 4.1% | 4.8% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
15.2%
+0.5pp YoY +0.2pp QoQ |
+3.0pp | 12.2% | 14.0% | 12.6% | 87% |
| Total Capital Ratio | n/a | n/a | 19.9% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
-2 (-4.5%) YoY -2 (-4.5%) QoQ |
-17 | 58 | 105 | 482 | 44% |
| Assets per Employee ($) |
$4.2M
+10.9% YoY +6.9% QoQ |
-$3.3M | $7.5M | $6.3M | $8.8M | 6% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 8 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 51% |
| Allowance Coverage |
1.48x
+32.1% YoY -3.6% QoQ |
-22.67x | 24.15x | 7.45x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
-2.0pp YoY 0.0pp QoQ |
+0.9pp | 12.2% | 13.3% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.7% | 1.7% | 11% |
| Net Income ($, YTD) |
$1.6M
-1.6% YoY — QoQ |
-$981K | $2.6M | $5.1M | $40.4M | 43% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.