BlastPoint's Banking Scorecard
PB&T Bank
Community
Specialty: Commercial
CO
FDIC cert 12594
Pueblo, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
PB&T Bank shows strong momentum with 3 strengths and 7.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 13% in Community
- + Profitability Leader: Top 14% in Community
- + Deposit Franchise: Top 16% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$663.0M
+7.5% YoY
-1.2% QoQ
|
-$728.4M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$517.7M
+20.8% YoY
-2.9% QoQ
|
-$457.7M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$557.0M
+3.4% YoY
-0.9% QoQ
|
-$607.6M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
2.47%
+14.2% YoY
+0.1% QoQ
|
+1.30% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.23%
+14.7% YoY
+1.1% QoQ
|
+1.56% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
58.77%
-6.2% YoY
+1.3% QoQ
|
-3.86% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.21%
+3.0% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
92.94%
+16.8% YoY
-2.0% QoQ
|
+9.88% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
33.67%
+4.4% YoY
-0.5% QoQ
|
+12.63% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-80.0% YoY
+1.2% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
14.57%
-6.1% YoY
+4.4% QoQ
|
+4.33% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
1.34%
-14.3% YoY
+31.4% QoQ
|
+0.60% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#49 of 371 · Top 13% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.34%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.47%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#53 of 371 · Top 14% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.47%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#25 of 150 · Top 16% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.67%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.23%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Return on Assets
Current: 2.47% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.66%
92
92th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.67% · Tier avg: 21.05%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.57% · Tier avg: 10.24%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
61
61th pctile
Efficiency Ratio
Current: 58.77% · Tier avg: 62.63%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
33
33th pctile
Total Loans
Current: $517.7M · Tier avg: $975.5M
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.94% · Tier avg: 83.06%
23
23th pctile
Total Assets
Current: $663.0M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $557.0M · Tier avg: $1.2B
Top Weaknesses
22
22th pctile
Total Deposits
Current: $557.0M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $663.0M · Tier avg: $1.4B
27
27th pctile
Loan-to-Deposit Ratio
Current: 92.94% · Tier avg: 83.06%
33
33th pctile
Total Loans
Current: $517.7M · Tier avg: $975.5M
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
61
61th pctile
Efficiency Ratio
Current: 58.77% · Tier avg: 62.63%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.57% · Tier avg: 10.24%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.67% · Tier avg: 21.05%
92
92th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
96
96th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.66%
97
97th pctile
Return on Assets
Current: 2.47% · Tier avg: 1.16%