TellerScore

Headquartered in Paducah, Kentucky, The Paducah Bank and Trust Company is a state-chartered bank (fed member) with $1.1B in total assets and $844.2M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1948.

The Paducah Bank and Trust Company has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 88% of its 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 24th. Earnings contributes the most (100/100, 2.25%); capital cushion contributes the least (56/100, 10.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.63%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings100/100
Return on assets (annualized): 2.25%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 94.5% · 23.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.32%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 79).

TellerScore
767982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202477
Q4 202477
Q1 202580
Q2 202580
Q3 202581
Q4 202582
Q1 202678
Q2 202679
Tier 1 leverage ratio
5.00%8.23%11.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.57%
Q3 202410.80%
Q4 202411.03%
Q1 202510.77%
Q2 202510.92%
Q3 202511.39%
Q4 202511.47%
Q1 202610.43%
Q2 202610.63%
Noncurrent loans
0.02%0.11%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.06%
Q4 20240.06%
Q1 20250.06%
Q2 20250.03%
Q3 20250.03%
Q4 20250.02%
Q1 20260.20%
Q2 20260.19%
Return on assets
1.35%1.84%2.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.35%
Q3 20241.35%
Q4 20241.41%
Q1 20251.65%
Q2 20251.70%
Q3 20251.76%
Q4 20251.83%
Q1 20262.33%
Q2 20262.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$1.1B10.63%0.19%2.25%94.5%
Q1 202678$1.0B10.43%0.20%2.33%93.5%
Q4 202582$1.0B11.47%0.02%1.83%96.5%
Q3 202581$996.9M11.39%0.03%1.76%96.0%
Q2 202580$1.0B10.92%0.03%1.70%89.3%
Q1 202580$1.0B10.77%0.06%1.65%87.1%
Q4 202477$938.7M11.03%0.06%1.41%96.5%
Q3 202477$976.8M10.80%0.06%1.35%90.8%
Q2 202476$962.7M10.57%0.05%1.35%92.5%

897 peers · $1 billion – $10 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 ratio10.63%
53rd
Total risk-based capital14.12%
56th
Problem loans0.19%
77th
Net charge-offs0.02%
59th
Return on assets2.25%
94th
Net interest margin4.23%
79th
Efficiency ratio54.6%
63rd
Loans to deposits94.5%
27th
Uninsured deposits23.2%
76th
Loan-loss reserves1.54%
88th
Texas ratio1.3%
79th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Monticello Banking CompanyBank Monticello, KY71 out of 100, Strong$1.1B10.2%0.11%vs
Edmonton State BankBank Glasgow, KY82 out of 100, Strong$1.2B11.5%0.32%vs
First Southern National BankBank Lancaster, KY68 out of 100, Moderate$1.3B10.8%0.61%vs
Community Financial Services BankBank Benton, KY70 out of 100, Strong$1.4B10.3%0.42%vs
The Cecilian BankBank Cecilia, KY77 out of 100, Strong$1.6B11.0%0.40%vs
Forcht Bank, National AssociationBank Lexington, KY66 out of 100, Moderate$1.6B8.2%0.05%vs

Deposit insurance

Is my money safe at The Paducah Bank and Trust Company?

Yes. The Paducah Bank and Trust Company is an FDIC-insured institution (FDIC certificate #16664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.2% of deposits ($196.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.12% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The Paducah Bank and Trust Company lists 6 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Paducah Bank and Trust Company reported 290 home-loan applications under HMDA (LEI 549300QCJE0X5P8H4Z85): 218 originated ($62,600,000 total), 19 denied, and 50 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Paducah Bank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
16664
RSSD ID
285740
Primary regulator
FED
Holding company
Paducah Bank Shares Inc
Established
January 24, 1948
Headquarters
555 Jefferson St, Paducah, KY 42001
Employees
145

Quick answers

The Paducah Bank and Trust Company: common questions

Is The Paducah Bank and Trust Company FDIC insured?

Yes. The Paducah Bank and Trust Company is an FDIC-insured institution (FDIC certificate #16664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Paducah Bank and Trust Company's TellerScore?

79 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 The Paducah Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #16664 in the FDIC failed bank list.

How many branches does The Paducah Bank and Trust Company have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Paducah

InstitutionScoreAssetsCapitalProblem loansCompare
C-Plant Federal Credit UnionCredit union Paducah, KY92 out of 100, Very strong$365.9M14.7%0.16%vs
Shawnee TVA Employees Federal Credit UnionCredit union West Paducah, KY90 out of 100, Very strong$6.6M22.6%0.00%vs
Signet Federal Credit UnionCredit union Paducah, KY82 out of 100, Strong$398.2M16.6%1.07%vs
Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY77 out of 100, Strong$348.2M13.7%0.94%vs
Farmers Bank and Trust CompanyBank Marion, KY74 out of 100, Strong$794.0M9.2%0.23%vs
W B H Employees Federal Credit UnionCredit union Paducah, KY73 out of 100, Strong$17.6M13.0%0.05%vs