# PB&T BANK
PUEBLO, CO · FDIC certificate 12594 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $815.2M | |
| Deposits | $717.6M | |
| Loans and leases | $611.0M | |
| Total equity | $87.0M | |
| Loans / deposits | 84.08% (p56 of band) | 82.04% |
| Liquid assets / assets | 22.30% (p41 of band) | |
| Uninsured deposits / deposits | 31.30% (p71 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.82% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.64% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -9.63% (p45 of band) | -8.10% |
| AOCI / equity | -0.59% (p37 of band) | |
| ROA (annualized) | 2.35% (p93 of band) | 1.28% |
| Net interest margin | 5.17% (p95 of band) | 3.91% |
| Efficiency ratio | 58.42% (p41 of band) | |
| Noncurrent loans | 0.54% (p56 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 231.40% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 96.49% (p85 of band) | |
| Auto loans | $844,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 32.6% | |
| Employees | 158 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money | construction >100% equity |
| 2011-09 | 5 | expense ratio p90 |  |
| 2011-12 | 4 |  | noncurrent p90 |
| 2012-03 | 3 |  | charge-offs p90 |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 2 |  | reserve under noncurrent, capital falling |
| 2013-03 | 0 |  | losing money, expense ratio p90 |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 2 | capital falling, expense ratio p90 |  |
| 2014-12 | 1 | reserve under noncurrent | capital falling, expense ratio p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | construction >100% equity |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 0 |  | construction >100% equity, capital falling |
| 2019-09 | 1 | construction >100% equity |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | construction >100% equity |
| 2020-12 | 1 | construction >100% equity | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 5 | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 3 |  | deposits shrinking, securities losses >30% of equity |
| 2024-03 | 2 |  | construction >100% equity |
| 2024-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | construction >100% equity |  |
| 2026-06 | 0 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-08-15 [Pueblo institution marks 128th year as PB&T Bank - Pueblo Chieftain](https://news.google.com/rss/articles/CBMimwFBVV95cUxOTkhMUTRocWVUQ1dJZnZOZmp0QUhOZC1JaWRWR2Z4QkJfdXkycEpobWtjVFhNeTk4NHlBSGVHMzhaSWJ6ZzNmZ3hKZExEUDEtTmcxa1pzT1psN29xcEV1U24wdjVhdVlHVTc1aUhicHBtNDhhRWZMWXd3RURrLUtqN2lNOWpTOWFQZndqRVFhNkdZUXRkaWctNXZTcw?oc=5) · Pueblo Chieftain
- 2019-07-28 [Reaching her 'ultimate goal' - Pueblo Chieftain](https://news.google.com/rss/articles/CBMipAFBVV95cUxNMm5XQzhVbFRqSENBdWRNVXlwdHlSY1NEV2d2bE1HQmpoSHJ2YmdzYVN5aTl5SmVha3A5eGQybWRnZW1DVzZ5TTFZYjZ0QmdZRW1mYVJNZzZOa0x3c2pZbXBERU1HcDhBWDhVamt5d3dVVUlOUy1JRmM5SG80SFFKN29KQVZXZ1NTUXdjaTc1WjJ0SFpXRDJJRlBLQ1NncDJ5SG1LMg?oc=5) · Pueblo Chieftain
- 2025-11-14 [Uncertainty persists around SNAP benefits - The Leadville Herald](https://news.google.com/rss/articles/CBMitwFBVV95cUxQOU5NV19GVldBZVltZllBOW56UVdtV0FaVjdYUU9lelVVRWw4aUUxTlJFTEVDWUYtZFRDdEpSZnIwRTZhWmY1cE5Jbkk5MGh1WUJfbTRSdTZaTDFwT0RMc2dxSkoyb19XN3hNZm1GbVJSUV95SnJqNy1hUmxZYTh4X2R0SEJDMG9pRDNUVkFJTjhIbkw2WFA5QmRTVV9ibXV1Smdmb1A5TTVOcGRzcDBqeG1CN0p6cFU?oc=5) · The Leadville Herald
- 2020-08-25 [World's number 1 competitive eater to compete in World Slopper-Eating Championship at Colorado State Fair - koaa.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOWDRWb2FJUEpCTldnVG4tN0s1bXhfZTIzTWtCQ1Fodm1zODZqOXVKMlp6YW1NMjV6WHY3Vk1KTnVuaXVpYUg3M21PN01JdVRYSWNsLWU5cVZNMF9iRjl2OXJYUFlGV1Y5QzMtQU5yMFBXZ0FqQ21idmxTbkVPSndZZnFaS2Jmc3ZLa3NWbndBYmx3bmlRWmpVaTZzR0g4bnJSX1JvVXZjNUt5Q0tuVWRfUFZfVzYwYjdDaFRRMzlJV2ZpQ2tRVExSYUR5NHJRRUFZTzNUdHdHRThTWUpzMjFiVkFB?oc=5) · koaa.com
- 2019-04-28 [Historic branch bank gets new home - Pueblo Chieftain](https://news.google.com/rss/articles/CBMimAFBVV95cUxNYXhQb0R6QXI5aTgtM3FOYWJNWWRsRWNVZ0JtUU5Sb0E4VjBQak1xUUFBdk5iT2NVbUZfTE56MFhSb1ZmQzRETXZwWTZjOFgyRjhHVldEVWZNUjV2cU80cEJyUzhsQ2tiSmF5YzA3VGhZdmtaS003akJLNlBaRm1sM196aWc3WlJjMkQwMzl3OGpDZVgzR0l6ZQ?oc=5) · Pueblo Chieftain
- 2020-05-28 [Rebuilding America: Banks, insurance experts keeping social distance, trying to help Pueblo small businesses stay afloat - Pueblo Chieftain](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNS1piYk4tcFVpcjJ5bXhTOG1hVnhYYU9CV0NMYXZiMS1CUy04Zm4xMXBId0JSeDdydzBqZXV5YXRoY3h6MzFueHo1SE5Hd1JfZ3dqd1JGdzlIQVNCNF85eVJ4NlNWT01fVHhFb0UzTjdYUnoydlNheTRYWmR2WElNXzNyUURYV0lUV2IwVUVMVHZGaUx4dHNrY3Z2dnBnR0p0WDNyNjdLUGpCSWtPX0l3RC1jMHZnekw5MVBST0hyeEJPUGo5dHprazlLUHhZcmk3U09jYmZsT0dIcGtURGRaNzRESzhJeks1SVQ5QnRmQlA4VFJN?oc=5) · Pueblo Chieftain
- 2018-05-22 [Esgar's legacy vast in SE region - Pueblo Chieftain](https://news.google.com/rss/articles/CBMikgFBVV95cUxPSlFSVUVTZmxHNERxZnhtaVhhN0cwODV2aGxnU2dOQWVVblFIalB4cHVRMUs2T0IwSlZkUm5WbzU3THhNY1k0V1VSVVdCampQWkdHamV5NEdIRTctVlBYNHVhYmhrMFdaQVV5blBqYUFYeGRoZng0S2JsV2J3WXBOMHhJZXh4ZGg3ckpRLXRBcTh5UQ?oc=5) · Pueblo Chieftain
- 2019-08-31 ['Savage beauty' - Pueblo Chieftain](https://news.google.com/rss/articles/CBMihgFBVV95cUxPVkk4TFlZTzlQaVVEblBoTjZQUkloSzV0dkYzV2h4YlhYcE5NYXVNOE1qVmdCR2tLMmdKd1BzRzU4c1JjNGJCMUgxSnV6ZDh1dFU1Wk9xcEVfenR4UkhKaE1xXzFKa3JWOGZHaWlxUV9Ec0tWUk1aeDhtUkh4cXNQVU93VEFEQQ?oc=5) · Pueblo Chieftain

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12594 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "12594", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide