Pbk Bank, Inc. is a state-chartered bank headquartered in Stanford, Kentucky, in business for about 120 years. At the end of Q2 2026 it reported $175.6M in total assets and $150.4M in deposits, with 6 offices.
Based on its Q2 2026 filing, Pbk Bank, Inc. scores 94/100, which we describe as very strong. That is higher than 98% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 1st. Its strongest component is capital cushion (100/100; 15.17%), and its lowest is loan quality (85/100; 0.46%).
TellerScore · Q2 2026
Scorecard
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 rose 3 points (91 → 94), mostly because the loan quality component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 93 |
| Q4 2024 | 92 |
| Q1 2025 | 92 |
| Q2 2025 | 91 |
| Q3 2025 | 94 |
| Q4 2025 | 94 |
| Q1 2026 | 93 |
| Q2 2026 | 94 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.26% |
| Q3 2024 | 14.43% |
| Q4 2024 | 14.36% |
| Q1 2025 | 14.52% |
| Q2 2025 | 14.62% |
| Q3 2025 | 15.34% |
| Q4 2025 | 15.27% |
| Q1 2026 | 14.98% |
| Q2 2026 | 15.17% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.44% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.89% |
| Q3 2024 | 1.97% |
| Q4 2024 | 1.87% |
| Q1 2025 | 1.77% |
| Q2 2025 | 1.95% |
| Q3 2025 | 2.01% |
| Q4 2025 | 1.92% |
| Q1 2026 | 1.81% |
| Q2 2026 | 1.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $175.6M | 15.17% | 0.46% | 1.82% | 64.9% |
| Q1 2026 | 93 | $172.0M | 14.98% | 0.42% | 1.81% | 69.3% |
| Q4 2025 | 94 | $170.5M | 15.27% | 0.49% | 1.92% | 68.7% |
| Q3 2025 | 94 | $166.2M | 15.34% | 0.52% | 2.01% | 69.2% |
| Q2 2025 | 91 | $165.8M | 14.62% | 0.72% | 1.95% | 68.4% |
| Q1 2025 | 92 | $167.4M | 14.52% | 0.39% | 1.77% | 65.6% |
| Q4 2024 | 92 | $159.3M | 14.36% | 0.44% | 1.87% | 68.0% |
| Q3 2024 | 93 | $158.5M | 14.43% | 0.43% | 1.97% | 68.9% |
| Q2 2024 | 91 | $157.5M | 14.26% | 0.48% | 1.89% | 67.5% |
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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jackson County BankBank Mc Kee, KY | 92 out of 100, Very strong | $175.9M | 28.8% | 0.68% | vs |
| Citizens Bank and Trust of Lebanon, Inc.Bank Lebanon, KY | 75 out of 100, Strong | $173.0M | 11.3% | 0.18% | vs |
| Bank of ClarksonBank Clarkson, KY | 67 out of 100, Moderate | $178.2M | 12.4% | 1.87% | vs |
| Auburn Banking CompanyBank Auburn, KY | 65 out of 100, Moderate | $164.3M | 8.3% | 0.65% | vs |
| Bank of MaysvilleBank Maysville, KY | 93 out of 100, Very strong | $164.0M | 16.9% | 0.12% | vs |
| The Salyersville National BankBank Salyersville, KY | 89 out of 100, Very strong | $163.5M | 14.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Pbk Bank, Inc.?
Yes. Pbk Bank, Inc. is an FDIC-insured institution (FDIC certificate #9313). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.0% of deposits ($13.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Pbk Bank, Inc. lists 6 offices in 5 cities. Most locations:
- Stanford, KY (2)
- Danville, KY (1)
- Hustonville, KY (1)
- Junction City, KY (1)
- Mount Vernon, KY (1)
Identity & history
Profile
- Legal name
- Pbk Bank, Inc.
- Former names
- The Peoples Bank of Hustonville, Kentucky; Peoples Bank of Kentucky, Inc.; The Peoples Bank of Hustonville
- Type
- State-chartered bank
- FDIC certificate #
- 9313
- RSSD ID
- 148715
- Primary regulator
- FDIC
- Holding company
- Community Bancshares Inc
- Established
- January 1, 1906
- Headquarters
- 120 Frontier Blvd, Stanford, KY 40484
- Website
- www.pbkbank.com
- Employees
- 42
Quick answers
Pbk Bank, Inc.: common questions
Is Pbk Bank, Inc. FDIC insured?
Yes. Pbk Bank, Inc. is an FDIC-insured institution (FDIC certificate #9313). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pbk Bank, Inc.'s TellerScore?
94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pbk Bank, Inc. ever failed?
There is no failure record for FDIC certificate #9313 in the FDIC failed bank list.
How many branches does Pbk Bank, Inc. have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Stanford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cumberland Security Bank, Inc.Bank Somerset, KY | 87 out of 100, Very strong | $420.1M | 14.1% | 0.16% | vs |
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Abound Federal Credit UnionCredit union Radcliff, KY | 81 out of 100, Strong | $2.8B | 15.8% | 0.81% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Central Bank & Trust Co.Bank Lexington, KY | 76 out of 100, Strong | $4.0B | 12.4% | 0.21% | vs |
| Commonwealth Federal Credit UnionCredit union Frankfort, KY | 73 out of 100, Strong | $2.9B | 11.3% | 0.87% | vs |