TellerScore

PB&T Bank (FDIC certificate #12594) is based in Pueblo, Colorado. Its Q2 2026 call report shows $815.2M in total assets and $717.6M in deposits and 17 offices.

PB&T Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 27th. Earnings contributes the most (100/100, 2.35%); capital cushion contributes the least (56/100, 10.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.64%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.54%
Earnings100/100
Return on assets (annualized): 2.35%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 84.1% · 31.3% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.63%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 11 points (86 → 75), mostly because the capital cushion component weakened by 18 points.

TellerScore
728087Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202484
Q4 202484
Q1 202587
Q2 202586
Q3 202583
Q4 202584
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%8.80%12.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.60%
Q3 202411.75%
Q4 202412.13%
Q1 202512.56%
Q2 202512.39%
Q3 202512.42%
Q4 202512.60%
Q1 202610.26%
Q2 202610.64%
Noncurrent loans
0.00%0.69%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.38%
Q3 20240.02%
Q4 20240.00%
Q1 20250.00%
Q2 20250.03%
Q3 20250.20%
Q4 20250.20%
Q1 20260.60%
Q2 20260.54%
Return on assets
2.16%2.32%2.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.29%
Q3 20242.23%
Q4 20242.16%
Q1 20252.48%
Q2 20252.30%
Q3 20252.46%
Q4 20252.47%
Q1 20262.37%
Q2 20262.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$815.2M10.64%0.54%2.35%84.1%
Q1 202674$842.2M10.26%0.60%2.37%82.6%
Q4 202584$663.0M12.60%0.20%2.47%92.9%
Q3 202583$670.9M12.42%0.20%2.46%94.8%
Q2 202586$647.4M12.39%0.03%2.30%93.7%
Q1 202587$631.4M12.56%0.00%2.48%84.8%
Q4 202484$616.7M12.13%0.00%2.16%79.6%
Q3 202484$625.5M11.75%0.02%2.23%78.4%
Q2 202472$619.9M11.60%1.38%2.29%82.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.64%
44th
Total risk-based capital13.87%
61st
Problem loans0.54%
44th
Net charge-offs-0.00%
83rd
Return on assets2.35%
94th
Net interest margin5.17%
94th
Efficiency ratio58.4%
62nd
Loans to deposits84.1%
40th
Uninsured deposits31.3%
24th
Loan-loss reserves1.25%
57th
Texas ratio3.6%
43rd

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Timberline BankBank Grand Junction, CO75 out of 100, Strong$832.6M9.4%0.06%vs
Points West Community BankBank Windsor, CO75 out of 100, Strong$877.6M9.2%0.06%vs
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
The Eastern Colorado BankBank Cheyenne Wells, CO77 out of 100, Strong$720.9M11.3%0.00%vs
Yampa Valley BankBank Steamboat Springs, CO78 out of 100, Strong$687.6M9.4%0.09%vs
First Southwest BankBank Durango, CO86 out of 100, Very strong$657.5M15.3%0.04%vs

Deposit insurance

Is my money safe at PB&T Bank?

Yes. PB&T Bank is an FDIC-insured institution (FDIC certificate #12594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.3% of deposits ($224.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.87% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

PB&T Bank lists 14 offices in 12 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
PB&T Bank
Former names
The Pueblo Bank and Trust Company; THE Pueblo Bank and Trust Company; The Pueblo Savings and Trust Company
Type
State-chartered bank
FDIC certificate #
12594
RSSD ID
106452
Primary regulator
FDIC
Holding company
Pueblo Bcorp
Established
January 1, 1889
Headquarters
301 W 5th St, Pueblo, CO 81003
Employees
158

Quick answers

PB&T Bank: common questions

Is PB&T Bank FDIC insured?

Yes. PB&T Bank is an FDIC-insured institution (FDIC certificate #12594). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PB&T Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has PB&T Bank ever failed?

There is no failure record for FDIC certificate #12594 in the FDIC failed bank list.

How many branches does PB&T Bank have?

17 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pueblo

InstitutionScoreAssetsCapitalProblem loansCompare
Frontier BankBank Lamar, CO81 out of 100, Strong$436.4M10.8%0.32%vs
FirstOak BankBank Independence, KS75 out of 100, Strong$241.2M10.5%0.00%vs
Academy Bank, National AssociationBank Kansas City, MO73 out of 100, Strong$3.2B14.3%1.05%vs
Minnequa Works Credit UnionCredit union Pueblo, CO71 out of 100, Strong$274.0M12.7%0.79%vs
The Colorado Bank and Trust Company of La JuntaBank La Junta, CO69 out of 100, Moderate$330.3M10.3%0.30%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs