BlastPoint's Banking Scorecard
Pbt Bancorp
Micro
Specialty: Commercial
KY
FDIC cert 8117
Designations: ✓ Community bank
Hazard, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Pbt Bancorp has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.14% above tier
- + Non-Interest Income / Assets 2.14% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.64% above tier
- - Nonperforming Asset Ratio 2.47% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$379.4M
+14.1% YoY
+7.2% QoQ
|
+$161.9M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$298.4M
+24.5% YoY
+9.3% QoQ
|
+$159.2M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$333.0M
+9.2% YoY
+3.1% QoQ
|
+$149.3M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
2.22%
+330.4% YoY
+242.6% QoQ
|
+1.14% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.06%
+26.2% YoY
+3.7% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
54.56%
-33.0% YoY
-32.5% QoQ
|
-13.17% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
3.28%
+50.8% YoY
+89.1% QoQ
|
+2.64% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
89.60%
+14.0% YoY
+6.0% QoQ
|
+15.08% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
19.66%
-3.1% YoY
-3.8% QoQ
|
-2.74% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
2.92%
+79.3% YoY
+80.0% QoQ
|
+2.47% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.42%
-0.7% YoY
+1.0% QoQ
|
+2.56% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
2.70%
+468.6% YoY
+457.2% QoQ
|
+2.14% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.22%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.70%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.28%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.92%
(Tier avg: 0.45%, National avg: 0.48%)
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
98
98th pctile
Non-Interest Income / Assets
Current: 2.70% · Tier avg: 0.56%
94
94th pctile
Return on Assets
Current: 2.22% · Tier avg: 1.08%
92
92th pctile
Total Loans
Current: $298.4M · Tier avg: $139.2M
87
87th pctile
Total Deposits
Current: $333.0M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $379.4M · Tier avg: $217.5M
82
82th pctile
Efficiency Ratio
Current: 54.56% · Tier avg: 67.73%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.42% · Tier avg: 8.85%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.66% · Tier avg: 22.39%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.60% · Tier avg: 74.53%
6
6th pctile
Delinquency Rate
Current: 3.28% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.92% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.92% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.28% · Tier avg: 0.64%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.60% · Tier avg: 74.53%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.66% · Tier avg: 22.39%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.42% · Tier avg: 8.85%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
82
82th pctile
Efficiency Ratio
Current: 54.56% · Tier avg: 67.73%
85
85th pctile
Total Assets
Current: $379.4M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $333.0M · Tier avg: $183.7M
92
92th pctile
Total Loans
Current: $298.4M · Tier avg: $139.2M
94
94th pctile
Return on Assets
Current: 2.22% · Tier avg: 1.08%
98
98th pctile
Non-Interest Income / Assets
Current: 2.70% · Tier avg: 0.56%