D
PBT Bancorp
Hazard,  KY
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings PBT Bancorp
Hazard, KY
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Rating D
Asset Quality Index 1.20
Capitalization Index 6.10
Liquidity Index 0.40
Profitability Index 0.90
Stability Index 2.50
Company Info PBT Bancorp
Hazard, KY
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FDIC Number 8117
Phone Number (866) 435-2161
Website www.peopleshazard.com/
Asset Quality PBT Bancorp
Hazard, KY
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1-Year Asset Growth 41.63%
5-Year Asset Growth 9.90%
5-Year Charge-Offs to Average Loans 0.21%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 2.70%
Non-Performing Loans to Capital 27.80%
Non-Performing Loans to Loans 3.06%
Balance Sheet PBT Bancorp
Hazard, KY
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Total Assets 473.23M
Total Deposits 426.71M
Capital and Reserves PBT Bancorp
Hazard, KY
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Capital 23.96M
Leverage Ratio 8.15
Loan Loss Reserves to Loans 1.14%
Risk-Based Capital Ratio 10.49
Liquidity PBT Bancorp
Hazard, KY
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Hot Money Ratio 43.67%
Liquidity Ratio 7.28%
Profitability PBT Bancorp
Hazard, KY
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5-Year Return on Average Assets 0.79%
Net Income -31.00K
Net Interest Spread 4.19%
Operating Profit to Average Assets -0.07%
Overhead Efficiency Ratio 90.25%
Return on Assets -0.01%
Return on Equity -0.26%