the pueblo bank and trust company

What the pueblo bank and trust company does

The Pueblo Bank and Trust Company, operating as PB&T Bank, is an FDIC-insured state-chartered community bank founded in 1889 and headquartered in Pueblo, Colorado. The bank serves individual consumers, small-to-medium-sized businesses, and trust/wealth clients through 15+ physical branches across Colorado (including Pueblo, Colorado Springs, Castle Rock, Denver, Longmont, Falcon, La Junta, Leadville, Rocky Ford, Salida, Cañon City, and North Metro at Larkridge), complemented by digital banking channels including the PB&T Anywhere mobile app for iOS and Android, PB&T Online web banking, the TrustMePBT trust portal, and Apple Watch Banking.

The bank's product portfolio spans consumer checking (Simply Free, Classic 50, Direct Interest, Platinum Interest), savings vehicles (consumer savings, CDs, IRAs, money market, HSAs), consumer loans (auto, RV, home equity, unsecured, construction), business banking (free and interest checking, equipment, inventory, working capital loans, remote deposit capture, ACH/wire, business bill pay), trust and institutional fiduciary services, and ISO sponsorship services for card payment processors. Underlying technology is standard community-bank digital infrastructure: mobile check deposit, card management with spending controls and location restrictions, and the Allpoint ATM network partnership providing 55,000+ surcharge-free ATMs globally.

PB&T generates revenue through net interest income on its loan portfolio, deposit-related fees across checking and savings products, trust and wealth management fees, and ancillary services such as ISO sponsorship and treasury/cash management for businesses. Distribution is omnichannel: branch-based relationship lending paired with self-service digital platforms, supported by the Allpoint ATM network. The bank holds a "Local People Making Local Decisions" positioning aimed at retail and SMB customers seeking community-bank service with modern digital access. In October 2025, Pueblo Bancorporation (PB&T's holding company) announced an acquisition of Ark Valley Bankshares, Inc., indicating active inorganic expansion within Colorado.

Name

the pueblo bank and trust company

Legal name

Pueblo Bank and Trust Company

Website

https://pbandt.com

Company type

Private

Founded year

1889

Operating status

Operating

Short description

PB&T Bank is an FDIC-insured Colorado community bank founded in 1889, operating 15+ branches statewide. It offers consumer checking, savings, and loans; business banking; trust and wealth management; and ISO sponsorship services through branches and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Pueblo

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including personal loans (auto, RV, home equity, construction), business loans (equipment, inventory), and other credit products.
2. Banking Fees and Service Charges: Fees from checking accounts, savings products (CDs, IRAs, HSAs, Money Market), and other banking services.
3. Trust and Wealth Management Services: Revenue from personal trust services and institutional trust/corporate trust services, including online account enrollment for TrustMePBT.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

The Pueblo Bank and Trust Company (PB&T Bank) is a community bank operating in Colorado since 1889. It provides consumer and business deposit accounts (checking, CDs, IRAs, money market, HSAs), personal and commercial loans (auto, home equity, construction, equipment, inventory, working capital), credit cards, and personal and institutional trust and wealth management services. Distribution occurs through 15+ Colorado branch locations, digital and mobile banking platforms (PB&T Online and PB&T Anywhere), and an Allpoint ATM network of more than 55,000 surcharge-free ATMs. The bank also offers ISO sponsorship services for third-party card processors.

Product overview

PB&T Bank is a community bank offering a comprehensive suite of consumer and business banking products through multiple delivery channels including branch locations, online banking (PB&T Online), and mobile applications (PB&T Anywhere). Consumer products include checking accounts (Simply Free Checking, Classic 50 Checking, Direct Interest Checking, Platinum Interest Checking), savings accounts (Consumer Savings, CDs, IRAs, Money Market, HSAs), personal loans (Auto, Home Equity, Personal Unsecured, Construction), and credit cards. Business offerings include checking accounts, loans (Equipment, Inventory, Working Capital), and services such as Remote Deposit Capture and Business Bill Pay. The bank also provides Trust Services through TrustMePBT, mobile deposit capabilities, and access to over 55,000 surcharge-free ATMs through the Allpoint network. Apple Watch Banking extends mobile access to wearable devices.

Differentiator

Problem solved

Functional benefit

Brands

• PB&T Everywhere: Mobile banking application for iOS and Android devices providing account access, mobile deposits, and other banking services.
• PB&T Anywhere
• TrustMePBT
• PB&T Bank Card Management

Products and services

• PB&T Online Digital Banking Online banking platform enabling customers to access accounts, transfer funds, pay bills, and manage finances through a web browser.
• PB&T Anywhere Mobile Banking App Mobile banking application for iOS and Android devices that provides account access, mobile deposit, card management, bill pay, and other banking services on the go.
• Simply Free Checking Free personal checking account with no monthly maintenance fees.
• Classic 50 Checking Personal checking account designed for customers aged 50 and older with enhanced benefits.
• Direct Interest Checking Personal checking account that earns interest on deposited funds.
• Platinum Interest Checking Premium interest-bearing checking account with enhanced features.
• Consumer Savings Basic savings account for personal deposits.
• Certificates of Deposit (CDs) Time deposit accounts with fixed terms and guaranteed returns.
• IRAs (Traditional and Roth) Individual Retirement Accounts including Traditional and Roth options.
• Money Market Accounts Savings accounts with competitive interest rates and limited check-writing privileges.
• Health Savings Accounts (HSAs) Tax-advantaged savings accounts for individuals with high-deductible health plans.
• Auto Loans Financing for vehicle purchases with competitive rates.
• Home Equity Loans Loans secured by the borrower's home equity, available as lines of credit or fixed amounts.
• Personal Unsecured Loans Loans not secured by collateral, based on creditworthiness.
• Construction Loans Short-term financing for home construction projects.
• Credit Cards Visa credit card products for personal use.
• Free Business Checking Business checking account with no monthly maintenance fees.
• Business Interest Checking Business checking account that earns interest on balances.
• Equipment Loans Business financing for the purchase of equipment and machinery.
• Inventory Loans Business financing for purchasing inventory.
• Working Capital Loans Business loans to fund day-to-day operational expenses.
• Trust Services Wealth management services including Personal Trust and Institutional Trust services.
• TrustMePBT Online Trust Portal Online portal for trust services account access and management.
• ISO Sponsorship Services Independent Sales Organization services for card processing and payment acceptance.
• Apple Watch Banking Wearable banking extension enabling PB&T Bank customers to access banking services through the Apple Watch platform.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

One partnership is on record.

• AllpointcoreTechnology or IntegrationPB&T Bank is part of the Allpoint ATM Network, providing customers with access to over 55,000 surcharge-free ATMs worldwide. Customers can use any Allpoint ATM with their PB&T debit card without incurring surcharge fees. No sign-up required; automatic access with existing debit card.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Guaranty Bank & Trust: Mid-sized community bank providing consumer and commercial banking across multiple states. Comparable to PB&T in scale and traditional community-bank operating model.
• FirstBank: Lakewood, Colorado-based community bank with multi-billion-dollar assets and a statewide branch network offering consumer, business, and mortgage banking. Directly comparable to PB&T as a Colorado community bank with similar deposit/lending products and community-banking positioning.
• Alpine Banks of Colorado: Colorado-headquartered community bank operating across the western slope and Front Range, offering consumer/business banking and wealth services. Closely mirrors PB&T's community-banking model and Colorado geographic footprint.
• Bellco Credit Union: Colorado-based member-owned credit union serving the Denver metro and Front Range with deposit, lending, and digital banking products. Comparable to PB&T as a Colorado-headquartered retail/SMB financial institution competing for the same household and small business customers.
• ENT Credit Union: Colorado Springs-headquartered credit union serving members across Colorado with checking, savings, lending, and digital banking. Competes head-to-head with PB&T for Colorado Springs and Front Range consumer/SMB relationships.
• Vectra Bank Colorado: Colorado community banking franchise (now operating under Glacier Bancorp) offering consumer, commercial, and wealth banking across the state. Directly comparable to PB&T in Colorado geographic focus, product mix, and community-bank positioning.
• Sunflower Bank, N.A. Mid-sized super-community bank offering consumer, business, and mortgage banking across multiple western and southern states. Comparable to PB&T in scale and product breadth, though with a multi-state footprint.
• Academy Bank, N.A. Midwest-headquartered super-community bank providing consumer and business banking, with retail-style digital channels. Comparable to PB&T in product scope and target segments, though operates across multiple states.

Broad incumbents

• U.S. Bank: Major national bank with deep Colorado retail/SMB presence and broad digital and treasury capabilities. Competes with PB&T across all of PB&T's Colorado markets but offers a much wider product portfolio.
• Wells Fargo: Top-five U.S. national bank with a substantial Colorado retail, SMB, and wealth management franchise. Overlaps with PB&T on consumer checking, lending, and trust but as part of a national full-service portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about the pueblo bank and trust company