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301 West 5th Street
Pueblo, CO 81002

The Pueblo Bank and Trust Company is headquartered in Pueblo and is the 21st largest bank in the state of Colorado. It is also the 2,081st largest bank in the nation. It was established in 1889 and as of December of 2013, it had grown to 107 employees at 9 locations. The Pueblo Bank and Trust Company has a B health rating.

Reviews (1)

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.


Data for Q4 2013

Institution Health


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, 2013 The Pueblo Bank and Trust Company had $28.06 million in non-current loans and owned real-estate with $39.26 million in equity and loan loss allowances on hand to cover it. This gives The Pueblo Bank and Trust Company a Texas Ratio of 71.48% which is below average. 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 84.48% as of December 31, 2012 to 71.48% as of December 31, 2013, resulting in a positive change of 15.39%.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 $1.48 million, resulting in 0.54% 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.



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 $313.97 million in assets with $39.26 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

Institution Statistics

FDIC Certificate #12594
Year Established1889
Primary RegulatorFDIC
Assets and Liabilities
Assets$313.97 million
Loans$138.31 million
Deposits$277.11 million
Equity Capital$33.41 million
Loan Loss Allowance$5.85 million
Unbacked Noncurrent Loans$4.79 million
Real Estate Owned$23.28 million
Historic Data - December 2012
Assets$313.10 million
Equity Capital$35.20 million
Loan Loss Allowance$6.31 million
Unbacked Noncurrent Loans$4.79 million
Real Estate Owned$29.36 million
Profit Margin - Quarterly
Net Interest Margin3.52%
Return on Assets0.54%
Return on Equity5.03%
Interest Income$10.05 million

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The Pueblo Bank and Trust Company Locations
South Pueblo Branch1217 South Pueblo BoulevardPueblo, CO 81005
Main Street and Canon City Branch1401 Main StreetCanon City, CO 81212
Thatcher Branch200 F StreetSalida, CO 81201
Jerry Murphy Road Branch2127 Jerry Murphy RoadPueblo, CO 81001
Denver Branch2351 South ColoradoDenver, CO 80222
The Pueblo Bank and Trust Company301 West 5th StreetPueblo, CO 81002
Colorado Springs Downtown Branch415 East Pikes Peak AvenueColorado Springs, CO 80903
Harrison Street Branch600 Harrison StreetLeadville, CO 80461
Drive-In FacilitySixth Street and Grand AvenuePueblo, CO 81003