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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

PB & Trust Bank

Pueblo, Colorado · $815M in assets · beside the 11 other Colorado banks between $300M and $1B

The filing

48.5%
CRE / loans
11th of 12
317.1%
CRE / capital
11th of 12
0.54%
NPA / loans
10th of 12

PB & Trust Bank is the third largest of the 12 Colorado banks nearest its size between $300M and $1B, with $815M in assets at 30 June 2026. Loans are 85.1% of deposits, 7th of 12 against a median of 83.4%, and equity is 10.7% of assets, 5th of 12. Loans grew +18.9% in the year, 3rd of 12, and deposits grew 32.6%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.54% of the book, 10th of 12 against a median of 0.07%; 0.01% is 30 to 89 days past due, and the allowance covers them 2.3 times. Commercial real estate is 48.5% of loans, 11th of 12 against a median of 25.9%, and 317% of capital, above the 300% screen, with construction at 90% against the 100% screen.

Return on assets is 2.25%, 3rd of 12 against a median of 1.69%, on an efficiency ratio of 59.7%, 5th of 12. Five years ago it was 1.57%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 24.9% of loans).

Commercial real estate, share of loansCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 25.9% SB Stockmens Bank 12.5% FN First National Bank Colorado 17.8% MV Mountain Valley Bank 20.4% TB Timberline Bank 23.6% HP High Plains Bank 24.5% HC High Country Bank 24.9% PW Points West Community Bank 27.0% EC Eastern Colorado Bank 34.0% FS First Southwest Bank 36.8% YV Yampa Valley Bank 40.9% PT PB & Trust Bank 48.5% AN Amg National Trust Bank 63.3%
Loans, year over yearCO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% HP High Plains Bank +27.3% SB Stockmens Bank +23.0% PT PB & Trust Bank +18.9% FN First National Bank Colorado +14.7% FS First Southwest Bank +8.7% TB Timberline Bank +6.4% YV Yampa Valley Bank +4.3% HC High Country Bank +3.5% MV Mountain Valley Bank +1.6% AN Amg National Trust Bank -0.7% PW Points West Community Bank -1.2% EC Eastern Colorado Bank -5.9%

SBA 7(a), FY2008 to FY2026

PB & Trust Bank is the 77th largest 7(a) lender into Colorado of 401, with $26M across 25 loans, 0.2% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 5 of its 11 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Pueblo, CO$10M4th of 656.1%-3.1 pts
Boulder, CO$4M42nd of 1440.4%thin
El Paso, CO$3M67th of 1640.3%quiet FY2021
Chaffee, CO$2M9th of 374.1%quiet FY2022
Adams, CO$2M80th of 1340.2%thin
Jefferson, CO$2M87th of 1830.1%thin
Denver, CO$2M104th of 1930.1%thin
Douglas, CO$633K117th of 1560.1%+0.2 pts
Lake, CO$528K8th of 172.9%quiet FY2020
Otero, CO$516K8th of 155.9%quiet FY2008
Custer, CO$188K7th of 124.8%quiet FY2015
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services5$6M21.0%0.01%773rd of 2,596
Other services3$5M17.8%0.01%564th of 2,248
Manufacturing2$4M16.1%0.01%764th of 2,246
Health care & social assistance2$4M14.3%0.01%649th of 2,172
Retail trade6$3M13.1%0.01%882nd of 2,589
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and PB & Trust Bank
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans PB Pbandt Bank 0.2% $26M · 25 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
PB & Trust BankRankCohort median
Total CRE against capital, the 300% screen317%11th of 12165%
Construction against capital, the 100% screen90%10th of 1254%
Construction and land development, share of loans13.7%11th of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans30.4%11th of 1213.7%
Total CRE, the guidance definition, share of loans48.5%11th of 1225.9%
CRE growth over 36 months, the third prong+36.6%7th of 12+30.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Points West Community Bank$878M1.4%63.1%0.06%0.00%1.9%61.0%7.9%
Timberline Bank$833M2.1%49.4%0.06%0.01%1.2%92.9%8.2%
PB & Trust Bank$815M2.3%59.7%0.54%0.00%1.3%85.1%10.7%
Amg National Trust Bank$723M2.4%63.5%0.04%0.00%1.0%46.5%17.1%
Eastern Colorado Bank$721M1.1%67.6%0.00%0.00%1.4%75.4%11.3%
Yampa Valley Bank$688M2.3%49.3%0.09%0.01%1.4%87.5%8.5%
First Southwest Bank$657M0.6%79.9%0.04%0.05%1.3%69.5%13.3%
Stockmens Bank$651M1.5%54.0%0.18%0.00%1.6%98.1%10.6%
High Plains Bank$643M1.9%69.6%0.70%0.03%1.1%81.6%10.1%
First National Bank Colorado$634M2.1%46.7%0.00%0.01%1.7%78.6%10.9%
Mountain Valley Bank$557M0.9%68.2%0.19%0.08%1.1%92.1%10.6%
High Country Bank$528M1.1%71.3%1.34%0.00%1.2%99.0%9.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
PB & Trust BankCohort median
20212026Change20212026Change
Loans$373M$611M+64%$300M$459M+53%
Deposits$544M$718M+32%$443M$580M+31%
NPA / loans0.04%0.54%+0.50 pts0.06%0.07%+0.01 pts
Efficiency65.1%59.7%-5.4 pts57.1%63.3%+6.2 pts
ROA1.57%2.25%+0.68 pts1.65%1.69%+0.04 pts

This read was prepared for PB & Trust Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on PB & Trust Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CO banks $300M to $1B
Institution www.pbandt.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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