Pbt Bancorp (FDIC certificate #8117) is based in Hazard, Kentucky. Its Q2 2026 call report shows $473.2M in total assets and $426.7M in deposits and 6 offices.
Pbt Bancorp has a TellerScore of 28 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 118th. Funding & liquidity contributes the most (66/100, 86% loans-to-deposits, 22% uninsured); loan quality contributes the least (11/100, 2.66%).
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 fell 17 points (45 → 28), mostly because the problem-loan coverage component weakened by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 44 |
| Q4 2024 | 43 |
| Q1 2025 | 48 |
| Q2 2025 | 45 |
| Q3 2025 | 47 |
| Q4 2025 | 45 |
| Q1 2026 | 24 |
| Q2 2026 | 28 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.97% |
| Q3 2024 | 8.94% |
| Q4 2024 | 9.03% |
| Q1 2025 | 8.85% |
| Q2 2025 | 8.63% |
| Q3 2025 | 8.81% |
| Q4 2025 | 9.49% |
| Q1 2026 | 8.67% |
| Q2 2026 | 8.15% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.89% |
| Q3 2024 | 2.07% |
| Q4 2024 | 2.15% |
| Q1 2025 | 1.60% |
| Q2 2025 | 1.70% |
| Q3 2025 | 1.72% |
| Q4 2025 | 3.25% |
| Q1 2026 | 2.96% |
| Q2 2026 | 2.66% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.65% |
| Q4 2025 | 2.22% |
| Q1 2026 | -0.23% |
| Q2 2026 | -0.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 28 | $473.2M | 8.15% | 2.66% | -0.01% | 86.1% |
| Q1 2026 | 24 | $431.7M | 8.67% | 2.96% | -0.23% | 88.0% |
| Q4 2025 | 45 | $379.4M | 9.49% | 3.25% | 2.22% | 89.6% |
| Q3 2025 | 47 | $354.0M | 8.81% | 1.72% | 0.65% | 84.5% |
| Q2 2025 | 45 | $334.1M | 8.63% | 1.70% | 0.43% | 84.5% |
| Q1 2025 | 48 | $345.0M | 8.85% | 1.60% | 0.39% | 80.6% |
| Q4 2024 | 43 | $332.4M | 9.03% | 2.15% | 0.52% | 78.6% |
| Q3 2024 | 44 | $325.5M | 8.94% | 2.07% | 0.59% | 76.3% |
| Q2 2024 | 47 | $323.7M | 8.97% | 1.89% | 0.64% | 77.9% |
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 |
|---|---|---|---|---|---|
| The First National Bank of Russell SpringsBank Russell Springs, KY | 73 out of 100, Strong | $475.2M | 10.5% | 0.11% | vs |
| Eclipse Bank, Inc.Bank Louisville, KY | 61 out of 100, Moderate | $485.7M | 9.5% | 0.31% | vs |
| United Cumberland BankBank Whitley City, KY | 71 out of 100, Strong | $460.2M | 11.5% | 1.39% | vs |
| Springfield State BankBank Springfield, KY | 79 out of 100, Strong | $486.9M | 14.0% | 0.56% | vs |
| Meade County BankBank Brandenburg, KY | 65 out of 100, Moderate | $458.4M | 8.8% | 0.19% | vs |
| The Lincoln National Bank of HodgenvilleBank Hodgenville, KY | 86 out of 100, Very strong | $454.4M | 14.9% | 0.43% | vs |
Deposit insurance
Is my money safe at Pbt Bancorp?
Yes. Pbt Bancorp is an FDIC-insured institution (FDIC certificate #8117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.3% of deposits ($95.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.15%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.49% (benchmark: 10%).
6 locations
Branches
Pbt Bancorp lists 5 offices in 3 cities. Most locations:
- Hazard, KY (2)
- Irvine, KY (2)
- Stanton, KY (1)
Identity & history
Profile
- Legal name
- Pbt Bancorp
- Former names
- Peoples Bank; Peoples Bank & Trust Company of Hazard
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 8117
- RSSD ID
- 814711
- Primary regulator
- FED
- Holding company
- Hazard Bcorp
- Established
- March 19, 1923
- Headquarters
- 524 Main St, Hazard, KY 41701
- Website
- www.pbtb.com
- Employees
- 83
Quick answers
Pbt Bancorp: common questions
Is Pbt Bancorp FDIC insured?
Yes. Pbt Bancorp is an FDIC-insured institution (FDIC certificate #8117). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pbt Bancorp's TellerScore?
28 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pbt Bancorp ever failed?
There is no failure record for FDIC certificate #8117 in the FDIC failed bank list.
How many branches does Pbt Bancorp have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hazard
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Whitaker BankBank Lexington, KY | 84 out of 100, Strong | $1.9B | 12.9% | 0.21% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Commercial BankBank Harrogate, TN | 77 out of 100, Strong | $2.4B | 11.6% | 0.35% | vs |
| Hyden Citizens BankBank Hyden, KY | 73 out of 100, Strong | $148.6M | 9.2% | 0.54% | vs |
| First Federal Savings and Loan AssociationBank Hazard, KY | 69 out of 100, Moderate | $81.3M | 21.6% | 1.69% | vs |
| 1st Trust Bank, Inc.Bank Hazard, KY | 64 out of 100, Moderate | $351.7M | 9.6% | 0.15% | vs |