PB&T Bank
PB&T Bank is an FDIC-insured Colorado community bank founded in 1889, operating 15+ branches statewide to serve individual consumers, small and medium businesses, and trust clients with deposits, lending, and digital banking services.
- Company typePrivate
- Founded1889
- HeadquartersPueblo, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What PB&T Bank does
PB&T Bank is an FDIC-insured community bank headquartered in Pueblo, Colorado, founded in 1889 and operating across 15+ branch locations spanning Pueblo, Colorado Springs, Denver, Longmont, Castle Rock, Cañon City, Salida, La Junta, Rocky Ford, Leadville, Falcon, and North Metro at Larkridge Center. The bank serves individual consumers, small and medium businesses, and trust/wealth management clients through a horizontal community banking model emphasizing local decision-making and relationship lending.
The product portfolio covers consumer savings (regular savings, CDs, IRAs, minor savings, money market, HSAs), checking accounts (Simply Free, Classic 50, Direct Interest, Free Business, Business Interest, Commercial), a full loan suite (auto, RV, home equity, personal unsecured, construction, equipment, inventory), credit and debit cards, and trust services delivered via the TrustMePBT platform. Digital channels include the PB&T Anywhere mobile application, mobile deposit, remote deposit capture, business bill pay, a card management feature with spend controls, and Apple Watch banking. The bank also operates an ISO Sponsorship Services line serving Independent Sales Organizations in payments processing.
The revenue model is a traditional community bank model built on net interest income from deposit-taking and lending activities, supplemented by fee-based trust and wealth management services and sponsorship-related income. Distribution is omnichannel: physical branch network for in-person sales and service, supplemented by self-serve digital platforms (TrustMePBT, PB&T Anywhere), 24-hour phone banking, and a surcharge-free ATM network. The bank is privately held under Pueblo Bancorporation, and in October 2025 announced an acquisition of Ark Valley Bankshares, Inc., signaling continued inorganic growth within Colorado.
PB&T Bank firmographics
Firmographics- Name
- PB&T Bank
- Legal name
- PB&T Bank
- Website
- https://pbandt.bank
- Company type
- Private
- Founded year
- 1889
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- PB&T Bank is an FDIC-insured Colorado community bank founded in 1889, operating 15+ branches statewide to serve individual consumers, small and medium businesses, and trust clients with deposits, lending, and digital banking services.
- Ownership category
- akta.pro rank
PB&T Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Money Markets & Short-Term Funding (T-Bills, CP, CDs) (FSACAEAG)
Keywords
Where PB&T Bank is headquartered
LocationHeadquarters
- HQ city
- Pueblo
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
PB&T Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Deposit-Taking: Accepts deposits from personal and business customers including checking accounts, savings accounts, money market accounts, and certificates of deposit. Generates revenue through interest rate spreads on deposits.
- Lending: Provides various loan products including personal loans, auto loans, home equity loans, construction loans, business loans, equipment loans, and inventory loans. Generates interest income from loan portfolio.
- Trust and Wealth Management: Offers trust services including personal trust, corporate and institutional trust, and investment services through TrustMePBT platform.
- TrustMePBT Enrollment: Online enrollment platform for trust and investment services
- Sponsorship Services: ISO Services providing sponsorship services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Money Market Account |
| Subscription | Monthly | Minor Savings Account (Youth) |
| Subscription | Annual | IRA Accounts (Traditional and Roth) |
| Subscription | Annual | Certificates of Deposit |
| Subscription | Monthly | Business Checking Products |
| Subscription | Monthly | Personal Checking Products |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
PB&T Bank product offering
Product offeringCore offering
PB&T Bank is a Colorado community bank operating since 1889 that provides personal deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), personal and consumer loans (auto, RV, home equity, personal unsecured, construction), business banking products (business checking variants, equipment and inventory loans, business credit cards), trust and wealth management services (personal trust, corporate and institutional trust), and card/payment products (credit cards, debit cards, safe deposit boxes), supported by digital banking channels including a mobile app and online platform.
Product overview
PB&T Bank is a regional community bank serving Colorado since 1889, offering a comprehensive suite of banking products and services. The bank's portfolio includes personal banking products (savings accounts including Consumer Savings, CDs, IRAs, Minor Savings, Money Market Accounts, and HSAs), personal loans (Auto Loans, RV Loans, Home Equity Loans, Personal Unsecured Loans, and Construction Loans), and multiple checking options (Simply Free Checking, Classic 50 Checking, and Direct Interest Checking). For business customers, PB&T provides Business Checking (Free Business Checking, Business Interest Checking, Commercial Checking), Business Loans (Equipment Loans, Inventory Loans), and specialized services including PB&T Biz Application and Business Bill Pay. The bank supports digital banking through PB&T Anywhere mobile platform, Card Management services, Mobile Deposit, and Remote Deposit Capture. Wealth management offerings include Personal Trust Services, Corporate and Institutional Trust through the TrustMePBT platform. Additional services include credit cards (personal and business), Free Visa Debit Cards, Surcharge-Free ATMs, Safe Deposit Boxes, and ISO/Sponsorship Services for payment processing organizations.
Differentiator
Problem solved
Functional benefit
Products and services
- Simply Free Checking Free personal checking account for everyday consumer banking needs.
- Classic 50 Checking Personal checking account targeted at customers aged 50 and over.
- Direct Interest Checking Interest-bearing personal checking account for consumers seeking yield on deposits.
- Consumer Savings Standard personal savings account for individual customers.
- Money Market Accounts Personal money market deposit account offering tiered interest rates based on balance.
- Certificates of Deposit Fixed-term deposit products with multiple rate and term options, available as regular CDs, IRA CDs, and Bump Rate CDs.
- IRAs Individual Retirement Accounts offered in Traditional, Roth, and Educational (Coverdell) variants with fixed and variable rate options.
- HSAs Health Savings Accounts for consumers with high-deductible health plans.
- Minor Savings Custodial savings account designed for minors, opened by a parent or guardian.
- Auto Loans Consumer auto financing for new and used vehicle purchases.
- RV Loans Financing for recreational vehicles including motorhomes, travel trailers, and campers.
- Home Equity Loans Fixed-rate home equity loans leveraging borrower home equity.
- Personal Unsecured Loans Unsecured personal loans for individual consumers.
- Construction Loans Short-term financing for residential construction projects.
- Free Business Checking No-fee business checking account for small businesses.
- Business Interest Checking Interest-bearing business checking account for operating businesses maintaining higher balances.
- Commercial Checking Commercial checking account designed for higher-volume business customers.
- Equipment Loans Commercial financing for business equipment purchases.
- Inventory Loans Short-term commercial financing secured by business inventory.
- Business Credit Card Credit card product tailored to small and mid-sized business customers.
- Personal Trust Services Fiduciary and estate administration services for individuals and families, supported by the TrustMePBT online platform.
- Corporate & Institutional Trust Trust and custody services for corporations and institutions.
- Credit Cards Personal credit card products offered to consumer customers.
- Free Visa Debit Card No-fee Visa debit card for personal checking account holders.
- Safe Deposit Boxes Safe deposit boxes for secure storage of valuables, available across branch locations.
- ISO Services (Sponsorship Services) Sponsor-bank services provided to independent sales organizations and payment agents requiring a regulated banking partner.
Quantifiable outcome
- Over 135 years of continuous operation since 1889
- +1 more outcomes
Companies that use PB&T Bank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles5 records
PB&T Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
PB&T Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- FDIC (Federal Deposit Insurance Corporation)coreFDIC member institution providing deposit insurance up to $250,000 per depositor. The FDIC logo is displayed on the website confirming membership.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
PB&T Bank competitors and assessment
Company assessmentDirect peers
- Alpine Banks of Colorado: Colorado-based community bank holding company operating a comparable community banking model with retail and commercial deposits, lending, and digital services across Colorado, directly aligned with PB&T's geographic and product focus.
- First Western Financial: Colorado-headquartered bank holding company providing commercial banking, wealth management, and treasury management to individuals and businesses across Colorado and adjacent states, with overlapping product set including lending and trust services.
- Bellco Credit Union: Colorado-based member-owned credit union serving consumer and small business members across the Denver metro and statewide, overlapping with PB&T's retail deposit, consumer lending, and small business banking business.
- Elevations Credit Union: Colorado-headquartered credit union serving consumer and business members across Boulder County, the Denver metro, and Colorado Springs, overlapping with PB&T's deposit, mortgage, and small business banking markets.
- ENT Credit Union: One of Colorado's largest credit unions serving consumer and small business members across Colorado Springs, Denver, and statewide, offering comparable checking, savings, lending, and wealth management products in PB&T's core geography.
- Academy Bank: Consumer and small business-focused community bank with branch presence in Colorado and the Midwest, offering similar checking, savings, consumer lending, and small business products to PB&T's retail and SMB segments.
- Great Western Bank: Regional community bank serving consumer and small/mid-market businesses across multiple western and midwestern states with comparable deposit, consumer lending, and business banking products through branch and digital channels.
Broad incumbents
- Vectra Bank Colorado (BOK Financial): Colorado-focused banking subsidiary of BOK Financial operating retail, commercial, and wealth services across Colorado and the broader Mountain West region; directly competes in PB&T's core Colorado deposit and lending markets but as part of a much larger institution.
- CoBank: Denver-based Farm Credit System bank serving agribusiness, rural infrastructure, and financial cooperatives across the West; shares a Colorado operational base with PB&T and overlaps in commercial/agricultural lending markets at very different scale.
- Wells Fargo: National bank with extensive branch and digital presence throughout Colorado, competing directly in retail deposits, small business banking, wealth management, and lending across every market in which PB&T operates, at vastly greater scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
PB&T Bank compliance and trust
Trust signalCompliance3 records
PB&T Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
PB&T Bank leadership team
Management profileNumber of profiles
Profiles6 records
PB&T Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PB&T Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PB&T Bank
What does PB&T Bank do?
PB&T Bank is a Colorado community bank operating since 1889 that provides personal deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), personal and consumer loans (auto, RV, home equity, personal unsecured, construction), business banking products (business checking variants, equipment and inventory loans, business credit cards), trust and wealth management services (personal trust, corporate and institutional trust), and card/payment products (credit cards, debit cards, safe deposit boxes), supported by digital banking channels including a mobile app and online platform.
Is PB&T Bank a public or private company?
PB&T Bank is a private company. It is classified as unknown and is currently operating.
When was PB&T Bank founded?
PB&T Bank was founded in 1889. It employs 51 to 100 people.
Where is PB&T Bank based?
PB&T Bank is headquartered in Pueblo, United States, in the North America region.
How does PB&T Bank make money?
Five revenue lines are on record. Deposit-Taking is the primary driver. The others are lending, trust and Wealth Management, trustMePBT Enrollment and sponsorship Services.
Who are PB&T Bank's main competitors?
Direct peers on record are Alpine Banks of Colorado, First Western Financial, Bellco Credit Union, Elevations Credit Union, ENT Credit Union, Academy Bank and Great Western Bank. Broad incumbents are Vectra Bank Colorado (BOK Financial), CoBank and Wells Fargo.
Does PB&T Bank have an API?
No public API is recorded for PB&T Bank.
What industry is PB&T Bank in?
PB&T Bank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.