BlastPoint's Banking Scorecard

PBK BANK, INC.

$100M-$1B Specialty: Other KY FDIC cert 9313

Stanford, KY

6 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

PBK BANK, INC. has 5 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

+ Revenue Diversifier: Top 26.4% in tier
+ Net Interest Margin 1.11% above tier average
+ ROA 0.54% above tier average
+ Efficiency Ratio 6.62% below tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 19.9% in tier
- Credit Risk Growth: Bottom 22.9% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$172.0M +2.7% YoY +0.9% QoQ	-$214.0M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$102.3M +7.1% YoY +1.7% QoQ	-$153.4M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$147.6M +1.4% YoY +0.7% QoQ	-$180.4M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	1.81% +2.4% YoY -5.6% QoQ	+0.54%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	5.04% -2.1% YoY -4.7% QoQ	+1.11%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Top 6.6% in tier
Efficiency Ratio ?	58.66% -1.8% YoY +1.5% QoQ	-6.62%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.42% +5.9% YoY -14.4% QoQ	-0.47%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	69.31% +5.6% YoY +0.9% QoQ	-7.33%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	23.18% -1.1% YoY -5.3% QoQ	+1.16%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	59%
Nonperforming Asset Ratio ?	0.25% +10.4% YoY -13.7% QoQ	-0.39%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	14.98% +3.2% YoY -1.9% QoQ	-0.85%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.26% +12.4% YoY -74.0% QoQ	-0.02%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 8.1% in tier

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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 (1)

Revenue Diversifier

growth

#177 of 666 • Top 26.4% 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: 0.26%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.81%

(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

Concerns (2)

Credit Quality Pressure

risk

#261 of 1308 • Bottom 19.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.42%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#224 of 973 • Bottom 22.9% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 (3 metrics)

176

Net Interest Margin

profitability

Value: 5.04%

Peer Median: 3.93%

#176 of 2664 Top 6.6% in $100M-$1B

218

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.28%

#218 of 2664 Top 8.1% in $100M-$1B

481

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.27%

#481 of 2664 Top 18.0% in $100M-$1B

Top Weaknesses (3 metrics)

2138

Total Assets

size

Value: $172.05M

Peer Median: $386.08M

#2138 of 2664 Bottom 19.8% in $100M-$1B

2125

Total Loans

size

Value: $102.27M

Peer Median: $255.72M

#2125 of 2664 Bottom 20.3% in $100M-$1B

2111

Total Deposits

size

Value: $147.56M

Peer Median: $327.97M

#2111 of 2664 Bottom 20.8% in $100M-$1B