Institution Statistics
| The Pueblo Bank and Trust Company | | FDIC Certificate # | 12594 | | BankRate Report | View | | Year Established | 1889 | | Employees | 108 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $313.10 million | | Loans | $148.95 million | | Deposits | $275.63 million | | Equity Capital | $35.20 million | | Loan Loss Allowance | $6.31 million | | Unbacked Noncurrent Loans | $5.71 million | | Real Estate Owned | $29.36 million |
Historic Data - December 2011 | | Assets | $309.64 million | | Equity Capital | $33.93 million | | Loan Loss Allowance | $6.35 million | | Unbacked Noncurrent Loans | $8.05 million | | Real Estate Owned | $36.67 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.66% | | Return on Assets | -1.19% | | Return on Equity | -10.81% | | Interest Income | $10.20 million |
|
|
Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 The Pueblo Bank and Trust Company had $35.07 million in non-current loans and owned real-estate with $41.51 million in equity and loan loss allowances on hand to cover it. This gives The Pueblo Bank and Trust Company a Texas Ratio of 84.48% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for The Pueblo Bank and Trust Company decreased slightly from 111.02% as of December 31, 2011 to 84.48% as of December 31, 2012, resulting in a positive change of 23.91%.This indicates that the balance sheet and financial strength for The Pueblo Bank and Trust Company has improved slightly in recent periods. | | Deposit Growth | | | In the past year, The Pueblo Bank and Trust Company has increased its total deposits by $2.87 million, resulting in 1.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Pueblo Bank and Trust Company has shown is above average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Pueblo Bank and Trust Company has $313.1 million in assets with $41.51 million in equity, resulting in a capitalization level of 13.26%, which is excellent. |
|
Average User Rating:
Concerns About PBT Business Practices
As someone who is part of dispute with PBT over their practices with respect to borrowers and guarantors, I would advise those in need of commercial or investment loans to stay away from this bank. They do not respect the privacy of the financial or personal information they are given (please don't rely on their stated privacy policies on their website because they don't actually observe them). And they do not respect their own documents either. Indeed, they are lawsuit happy and hire lawyers to threaten their customers at the slightest sign of disagreement. Borrowers, stay away from this bank. You will surely regret any relationship you commence with them. In order to post, I have to give them at least one star, but I would recommend that you just not do business with this bank.