Bank · FDIC insured
PBT Bancorp
Top CarrotA $473.2M bank headquartered in Hazard, KY, with 5 branches in Kentucky. Best rates: CDs 4.32% and savings 2.03% APY.
PBT Bancorp Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#3 of 10 in Richmond, KY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About PBT Bancorp
Originally established as First State Bank in Vicco, Kentucky and chartered in 1923, the institution became Peoples Bank & Trust Company in 1928 and introduced the PBT Bancorp brand in 2025.
Headquartered in Hazard, Kentucky, the bank operates branches and ATMs across Perry County and Irvine, alongside a loan production office in Richmond and a secondary mortgage lending program across 24 states.
- Headquarters
- 524 Main St, Hazard, KY 41701
- FDIC certificate
- 8117 ↗
Branches
5 branches in Kentucky
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Kentucky
5 branches
Hazard area · 2
- Pbt BancorpMain office524 Main St, Hazard, KY 41701Directions
- Daniel Boone Branch107 Rockwood Ln, Hazard, KY 41701Directions
Richmond area · 2
- Irvine Branch100 River Dr, Irvine, KY 40336Directions
- West Irvine Branch1220 Richmond Rd, Irvine, KY 40336Directions
Stanton area · 1
- Stanton Branch297 N Main St, Stanton, KY 40380Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.15% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.66% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -0.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio8.15%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.66%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-0.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of PBT Bancorp are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.