Pbt Bancorp
Hazard, KY
IDRSSD: 814711
Total Assets
$353.96M
Latest filing
Total Deposits
$322.89M
Latest filing
Net Interest Margin
4.29%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Pbt Bancorp
524 Main St
Hazard, KY 41701
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/19/1923FDIC Certificate 5166
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pbt Bancorp (Main) | 524 Main St | Hazard, KY |
| DANIEL BOONE BRANCH | 107 Rockwood Ln | Hazard, KY |
| EXPRESS BANK & MERCHANT CENTER BRANCH | 131 Citizens Ln | Hazard, KY |
Showing 2 of 2
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 | 03/19/1923 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41701 |
| State and County Number | 21193 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| 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 | N/A |
Operational Info
| Number of Employees | 62 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.pbtb.com |
| Data Updated | 11/14/2025 |
| CERT | 8117 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $353.96M |
| Total Deposits | $322.89M |
| Total Liabilities | $334.99M |
| Total Equity Capital | $18.97M |
| Net Income | $942.00k |
| Net Loans and Leases | $272.98M |
| Assets Per Employee ($Millions) | $5.62M |
| Bank Premises and Fixed Assets | $5.31M |
| Cash and Balances due from Depository Institutions | $19.75M |
| Deposits Held in Domestic Offices | $322.89M |
Key Performance Ratios
| Return on Assets (ROA) | 1.1% |
| Return on Equity (ROE) | 21% |
| Net Interest Margin | 4.29% |
| Efficiency Ratio | 70.59% |
| Tier 1 Risk-Based Capital Ratio | 11.299% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.36% |
| Earning Assets to total Assets | 92.33% |
Income and Expense
| Total Interest Income | $5.41M |
| Total Noninterest Income | $865.00k |
| Total Interest Expense | $2.01M |
| Total Noninterest Expense | $3.01M |
| Net Interest Income | $3.40M |
| Pre-tax Net Operating Income | $1.26M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.01M |
| Other borrowed funds | $9.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.09M |
| Total Liabilities and Capital | $353.96M |
Securities
| Securities | $37.01M |
| Available-for-sale debt securities | $37.01M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pbt Bancorp?
$353.96M as of the latest filing.
How much are Pbt Bancorp's total deposits?
$322.89M in total deposits.
Where is Pbt Bancorp located?
Hazard, KY.
What is the Net Interest Margin?
4.29%.
How many domestic offices does it operate?
3.
When was it established?
03/19/1923.
What is the Return on Assets (ROA)?
1.1%.
How much are total loans and leases?
$272.98M (latest filing).
What is the total interest income (latest filing)?
$5.41M.