FDIC certificate 16664
The Paducah Bank and Trust Company
Paducah, Kentucky · 555 Jefferson St 42001
Hunter Score
This bank ranks high against banks of a similar size.
Down 2 points from last quarter.
Compared with 619 banks with $1 billion to $3 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
The Paducah Bank and Trust Company has a Hunter Score of 81 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks high against banks of a similar size. The comparison is with banks with $1 billion to $3 billion in assets.
The FDIC reported return on assets of 2.25% (field ROA). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 94 out of 100. A rank of 50 is typical.
The FDIC reported efficiency ratio of 54.60% (field EEFFR). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 67 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Kentucky with $1 billion to $3 billion in assets, ordered by Hunter Score.
- Edmonton State Bank86out of 100
- The Cecilian Bank72out of 100
- South Central Bank, Inc.66out of 100
- Whitaker Bank65out of 100
- Planters Bank, Inc.56out of 100
Top Hunter Scores in Kentucky · Top scores with $1 billion to $3 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
21.52%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 93 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
2.25%
Profit for each dollar of assets. Higher is stronger.
Peer rank 94 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
4.23%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 78 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
54.60%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 67 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.19%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 75 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202681 out of 100
- Q1 2026, ending March 31, 202683 out of 100
- Q4 2025, ending December 31, 202581 out of 100
- Q3 2025, ending September 30, 202574 out of 100
- Q2 2025, ending June 30, 202579 out of 100
Download these quarters with Pro
Older quarters
Pro will include every quarter we have loaded. This release shows the latest five quarters for every bank, free.
About this bank
- Total assets
- $1.1 billion
- Deposits
- $844.2 million
- Equity
- $106.8 million
- Tangible equity
- $106.8 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 6
- Charter
- State bank and Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $11.6 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Paducah Bank Shares Inc, Paducah, KY. Federal Reserve RSSD 1099908.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
555 Jefferson St, Paducah, KY 42001
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.