The Paducah Bank and Trust Company
Paducah, KY
IDRSSD: 285740
Total Assets
$1.02B
Latest filing
Total Deposits
$805.80M
Latest filing
Net Interest Margin
4.38%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
083900402PADUCAH, KY
Key People
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Locations
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Main Office
The Paducah Bank and Trust Company
555 Jefferson St
Paducah, KY 42001
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/24/1948FDIC Certificate 10795
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Paducah Bank and Trust Company (Main) | 555 Jefferson St | Paducah, KY |
| MID-CITY BRANCH | 2401 Broadway St | Paducah, KY |
| REIDLAND BRANCH | 5540 Reidland Rd | Reidland, KY |
| LONE OAK BRANCH | 2635 Lone Oak Rd | Paducah, KY |
| STRAWBERRY HILL BANKING CENTER BRANCH | 4575 Pecan Driive | Paducah, KY |
| LOUISVILLE BRANCH | 9200 Shelbyville Rd | Louisville, KY |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/24/1948 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42001 |
| State and County Number | 21145 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Paducah, KY-IL |
Operational Info
| Number of Employees | 138 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/24/1948 |
| Primary Insurance Agency | DIF |
| Website | www.paducahbank.com |
| Data Updated | 01/30/2026 |
| CERT | 16664 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.02B |
| Total Deposits | $805.80M |
| Total Liabilities | $904.03M |
| Total Equity Capital | $113.19M |
| Net Income | $5.18M |
| Net Loans and Leases | $777.78M |
| Assets Per Employee ($Millions) | $7.06M |
| Bank Premises and Fixed Assets | $6.39M |
| Cash and Balances due from Depository Institutions | $29.14M |
| Deposits Held in Domestic Offices | $805.80M |
Key Performance Ratios
| Return on Assets (ROA) | 2.06% |
| Return on Equity (ROE) | 18.48% |
| Net Interest Margin | 4.38% |
| Efficiency Ratio | 56.3% |
| Tier 1 Risk-Based Capital Ratio | 13.925% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.127% |
| Earning Assets to total Assets | 95.81% |
Income and Expense
| Total Interest Income | $14.75M |
| Total Noninterest Income | $2.33M |
| Total Interest Expense | $4.18M |
| Total Noninterest Expense | $7.27M |
| Net Interest Income | $10.57M |
| Pre-tax Net Operating Income | $5.42M |
| Provision for Credit Losses | $210.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $45.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $41.03M |
| All Other Liabilities | $12.20M |
| Total Liabilities and Capital | $1.02B |
Securities
| Securities | $172.35M |
| Available-for-sale debt securities | $165.59M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $6.76M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Paducah Bank and Trust Company?
$1.02B as of the latest filing.
How much are The Paducah Bank and Trust Company's total deposits?
$805.80M in total deposits.
Where is The Paducah Bank and Trust Company located?
Paducah, KY.
What is the Net Interest Margin?
4.38%.
How many domestic offices does it operate?
6.
When was it established?
01/24/1948.
What is the Return on Assets (ROA)?
2.06%.
How much are total loans and leases?
$777.78M (latest filing).
What is the total interest income (latest filing)?
$14.75M.