Pbk Bank Inc (FDIC #9313): Bank Stress & Real-Estate Credit Exposure

Pbk Bank Inc (FDIC Cert #9313): bank stress 40/100, contained, STABLE over 7 days; parent COMMUNITY BANCSHARES INC.

Pbk Bank Inc (#9313) lends in 3 counties across 1 state; Pbk Bank Inc (#9313) reaches 19 ZIP codes: Kentucky 3 counties, 19 ZIPs.

Pbk Bank Inc (#9313) largest markets: Lincoln County, KY (33 branches, 11 ZIPs) (#9313), Rockcastle County, KY (7 branches, 7 ZIPs) (#9313), Boyle County, KY (10 branches, 5 ZIPs) (#9313).

Pbk Bank Inc (#9313) reports $175.6 million in total assets; Pbk Bank Inc (#9313) equity $24.6 million (14.0% of Pbk Bank Inc (#9313) assets); Pbk Bank Inc (#9313) domestic deposits $150.4 million; Pbk Bank Inc (#9313) net income $1.6 million; Pbk Bank Inc (#9313) return on assets 1.82%; Pbk Bank Inc (#9313) return on equity 13.09%; Pbk Bank Inc (#9313) net interest income $4.2 million; Pbk Bank Inc (#9313) call report June 30, 2026.

Pbk Bank Inc (#9313) noncurrent real-estate loans: none reported; Pbk Bank Inc (#9313) residential -0.03%; Pbk Bank Inc (#9313) net charge-offs on real estate 0.50%; Pbk Bank Inc (#9313) residential charge-offs 0.99%.

Pbk Bank Inc (#9313) net interest margin 5.10% against an eight-quarter Pbk Bank Inc (#9313) average of 5.25% (Pbk Bank Inc (#9313) compression 0.15 points); Pbk Bank Inc (#9313) non-residential real estate 98.7% of equity; Pbk Bank Inc (#9313) rate-exposure score 40/100, Pbk Bank Inc (#9313) fixed-rate trap 40/100; Pbk Bank Inc (#9313) risk type rate trapped; Pbk Bank Inc (#9313) rate regime rates elevated, Pbk Bank Inc (#9313) snapshot October 19, 2026.

Pbk Bank Inc (#9313) stress score moved from 39.2 on June 22, 2026 to 39.9 on October 19, 2026; Pbk Bank Inc (#9313) ranged 39.2 to 39.9 over 116 snapshots.

Pbk Bank Inc (#9313) alerts: 3 counties; top Pbk Bank Inc (#9313) alert scores: Junction City County, KY 17 (low); Mount Vernon County, KY 17 (low); Stanford County, KY 17 (low).