The Paducah Bank and Trust Company
Paducah, KY
IDRSSD: 285740
Total Assets
$996.90M
Latest filing
Total Deposits
$790.21M
Latest filing
Net Interest Margin
4.24%
Profitability
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 | 142 |
| 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 | 11/14/2025 |
| CERT | 16664 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $996.90M |
| Total Deposits | $790.21M |
| Total Liabilities | $886.00M |
| Total Equity Capital | $110.90M |
| Net Income | $4.69M |
| Net Loans and Leases | $758.64M |
| Assets Per Employee ($Millions) | $7.22M |
| Bank Premises and Fixed Assets | $6.58M |
| Cash and Balances due from Depository Institutions | $19.53M |
| Deposits Held in Domestic Offices | $790.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.85% |
| Return on Equity (ROE) | 17.17% |
| Net Interest Margin | 4.24% |
| Efficiency Ratio | 58.96% |
| Tier 1 Risk-Based Capital Ratio | 14.024% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.124% |
| Earning Assets to total Assets | 95.83% |
Income and Expense
| Total Interest Income | $14.70M |
| Total Noninterest Income | $2.15M |
| Total Interest Expense | $4.42M |
| Total Noninterest Expense | $7.34M |
| Net Interest Income | $10.28M |
| Pre-tax Net Operating Income | $4.68M |
| Provision for Credit Losses | $408.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $50.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $36.44M |
| All Other Liabilities | $9.35M |
| Total Liabilities and Capital | $996.90M |
Securities
| Securities | $181.41M |
| Available-for-sale debt securities | $174.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$996.90M as of the latest filing.
How much are The Paducah Bank and Trust Company's total deposits?
$790.21M in total deposits.
Where is The Paducah Bank and Trust Company located?
Paducah, KY.
What is the Net Interest Margin?
4.24%.
How many domestic offices does it operate?
6.
When was it established?
01/24/1948.
What is the Return on Assets (ROA)?
1.85%.
How much are total loans and leases?
$758.64M (latest filing).
What is the total interest income (latest filing)?
$14.70M.