PB&T Bank

Chartered Bank Active FDIC Insured
Health Score
10.0 / 10

301 W 5th St, Pueblo, CO 81003

Financial Overview

Total Assets $842.2M
Total Deposits $731.9M
Profitability (ROA) 2.37%
Shareholder Return (ROE) 21.18%
Capital Cushion (Eq/Assets) 10.12%
Established 01/01/1889

Financial Health Analysis

PB&T Bank is a currently active commercial lending specialization banking institution headquartered in Pueblo, Colorado. Established in 01/01/1889, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, PB&T Bank manages $842.2M in total assets and holds $731.9M in customer deposits. When evaluating the stability of PB&T Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 10.12%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 2.37%, while its Return on Equity (ROE) sits at 21.18%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$43.1M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.pbandt.bank

FDIC Certificate #: 12594

Specialization: Commercial Lending Specialization

Location

301 W 5th St

Pueblo, Colorado 81003

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