BlastPoint's Banking Scorecard
PBK BANK, INC.
Micro
Specialty: Other
KY
FDIC cert 9313
Designations: ✓ Community bank
Stanford, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
PBK BANK, INC. shows strong momentum with 2 strengths and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.43% above tier
- + Non-Interest Income / Assets 0.45% above tier
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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$170.5M
+7.0% YoY
+2.6% QoQ
|
-$47.0M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$100.6M
+6.8% YoY
+2.3% QoQ
|
-$38.6M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$146.5M
+5.7% YoY
+3.1% QoQ
|
-$37.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.92%
+2.9% YoY
-4.7% QoQ
|
+0.84% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
5.29%
-2.2% YoY
-0.9% QoQ
|
+1.43% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
57.77%
-3.1% YoY
+3.2% QoQ
|
-9.95% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.49%
+10.7% YoY
-6.2% QoQ
|
-0.15% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
68.67%
+1.0% YoY
-0.8% QoQ
|
-5.86% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
24.46%
+5.0% YoY
+10.2% QoQ
|
+2.07% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.29%
+10.4% YoY
-6.5% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.02%
-2.7% YoY
+31.6% QoQ
|
+0.45% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.29%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.02%
(Tier avg: 0.56%, National avg: 0.65%)
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
94
94th pctile
Net Interest Margin
Current: 5.29% · Tier avg: 3.85%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
73
73th pctile
Efficiency Ratio
Current: 57.77% · Tier avg: 67.73%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.46% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
44
44th pctile
Total Deposits
Current: $146.5M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $170.5M · Tier avg: $217.5M
43
43th pctile
Total Loans
Current: $100.6M · Tier avg: $139.2M
36
36th pctile
Loan-to-Deposit Ratio
Current: 68.67% · Tier avg: 74.53%
Top Weaknesses
36
36th pctile
Loan-to-Deposit Ratio
Current: 68.67% · Tier avg: 74.53%
43
43th pctile
Total Loans
Current: $100.6M · Tier avg: $139.2M
43
43th pctile
Total Assets
Current: $170.5M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $146.5M · Tier avg: $183.7M
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.46% · Tier avg: 22.39%
73
73th pctile
Efficiency Ratio
Current: 57.77% · Tier avg: 67.73%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
94
94th pctile
Net Interest Margin
Current: 5.29% · Tier avg: 3.85%