PB&T Bank
Pueblo, Colorado, Pueblo County
$815M in total assets, the 1,262nd largest of 4,309 US banks and 11th of 63 headquartered in Colorado.
- FDIC certificate
- 12594
- Established
- 1889
- Owned by
- Pueblo Bcorp
- Primary regulator
- FDIC
- Website
- www.pbandt.bank
At a glance
Compared with 48 banks headquartered in Colorado with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $815M | 96% | $318M | |
| Loans | $611M | 98% | $202M | |
| Deposits | $718M | 98% | $277M | |
| Return on assets | 2.44% | 98% | 1.13% | |
| Net interest margin | 5.17% | 88% | 4.11% | |
| Efficiency ratio | 58.4% | 31% | 67.6% | |
| Equity to assets | 10.67% | 46% | 11.01% | |
| Loans to deposits | 85% | 54% | 82% |
Growth
Total assets grew 5.8% a year over the last 5 years and 8.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2026 | The State Bank La Junta, CO | $145M |
| Jul 1998 | BestBank Boulder, CO | $233M |
| Sep 1993 | The Thatcher Bank, FSB Salida, CO | $40M |
Where they operate
17 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Pueblo County, CO | $365M | 16.3% | 3 of 13 |
| Otero County, CO | $77M | 12.9% | 4 of 7 |
| Fremont County, CO | $66M | 8.5% | 5 of 9 |
| El Paso County, CO | $59M | 0.6% | 30 of 40 |
| Denver County, CO | $46M | 0.1% | 38 of 45 |
| Chaffee County, CO | $36M | 4.3% | 5 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 8 branches since 2016 (9 to 17, +88.9%). 3 opened, 5 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2019 | Opened Castle Rock and Longmont | 2 | 0 | +2 | 11 |
| 2023 | Opened Thornton | 1 | 0 | +1 | 12 |
| 2026 through Q2 | Acquired The State Bank | 5 | 0 | +5 | 17 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 55% | 29% | |
| Construction and land | 14% | 9% | |
| 1-4 family residential | 11% | 32% | |
| Business (C&I) | 9% | 8% | |
| Farmland | 5% | 10% | |
| Multifamily | 4% | 2% | |
| Agricultural | 2% | 7% | |
| Consumer | 0% | 2% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 63% | 49% | |
| Noninterest-bearing | 33% | 23% | |
| Time deposits | 4% | 28% |
Brokered deposits are 0.0% of deposits (peers 3.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.54% | 0.17% |
| Net charge-offs, annualized | -0.00% | 0.00% |
| Reserves to loans | 1.25% | 1.19% |
| Leverage ratio | 10.64% | 11.81% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Colorado
Largest competitors in Pueblo County, CO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/pb-t