Pbt Bcorp (FDIC #8117): Bank Stress & Real-Estate Credit Exposure

Pbt Bcorp (FDIC Cert #8117): bank stress 100/100, severe, STABLE over 7 days; parent HAZARD BCORP.

Pbt Bcorp (#8117) lends in 3 counties across 1 state; Pbt Bcorp (#8117) reaches 31 ZIP codes: Kentucky 3 counties, 31 ZIPs.

Pbt Bcorp (#8117) largest markets: Perry County, KY (72 branches, 24 ZIPs) (#8117), Estill County, KY (10 branches, 5 ZIPs) (#8117), Powell County, KY (4 branches, 4 ZIPs) (#8117).

Pbt Bcorp (#8117) reports $473.2 million in total assets; Pbt Bcorp (#8117) equity $24.0 million (5.1% of Pbt Bcorp (#8117) assets); Pbt Bcorp (#8117) domestic deposits $426.7 million; Pbt Bcorp (#8117) net income minus $31,000; Pbt Bcorp (#8117) return on assets -0.01%; Pbt Bcorp (#8117) return on equity -0.26%; Pbt Bcorp (#8117) net interest income $8.3 million; Pbt Bcorp (#8117) call report June 30, 2026.

Pbt Bcorp (#8117) noncurrent real-estate loans 0.02% of its book; Pbt Bcorp (#8117) net charge-offs on real estate 2.66%; Pbt Bcorp (#8117) residential charge-offs 6.21%.

Pbt Bcorp (#8117) net interest margin 4.24% against an eight-quarter Pbt Bcorp (#8117) average of 3.77% (Pbt Bcorp (#8117) compression -0.47 points); Pbt Bcorp (#8117) real-estate loans 2.3% of equity; Pbt Bcorp (#8117) non-residential real estate 621.1% of equity; Pbt Bcorp (#8117) rate-exposure score 40/100, Pbt Bcorp (#8117) fixed-rate trap 40/100; Pbt Bcorp (#8117) risk type credit driven; Pbt Bcorp (#8117) rate regime rates elevated, Pbt Bcorp (#8117) snapshot October 19, 2026.

Pbt Bcorp (#8117) stress score held at 100 across 116 daily snapshots, June 22, 2026 to October 19, 2026.

Pbt Bcorp (#8117) alerts: 3 counties; top Pbt Bcorp (#8117) alert scores: Hazard County, KY 32 (low); Irvine County, KY 32 (low); Stanton County, KY 32 (low).