Welcome to the PT ScoreTM Performance Risk Management Network


This network provides tools and resources to help you understand, clarify, and evaluate risk positions within your institution & the industry. Also, additional Performance Trust resources can help provide clarity around key risk management issues.

Turn risk challenges into opportunities with PT ScoreTM regulatory tools.


PT Score™ is a risk management model designed to identify, measure, and track significant risk trends in depository financial institutions.

PT Score™ helps institutions optimize their risk position and create greater long-term value for their organization. What’s your risk position?

PT Score Model

Performance Trust:
We Are Thought Leaders

Our experienced investment professionals strategically partner with community financial institutions and registered investment advisors to make investment decisions with the aim of producing consistent, significant improvement in their long-term performance.

With our unique, disciplined approach, we challenge conventional wisdom and unveil common misconceptions through our strategic financial advisory services.

“An investment in knowledge pays the best interest.”

—Ben Franklin

Learn with Us—Live

We are committed to educating our clients and helping them acquire the knowledge and tools the ask the right questions and make beneficial risk/reward decisions.

See if Performance Trust University® is headed to a city near you.

Performance Trust University

Bart Smith

Managing Director, Regulatory Services

Drawing on his 25 years of experience at the Federal Deposit Insurance Corporation (FDIC), Bart saw a need for education when it comes to regulatory concerns. He created PT Score products to help ease the fear that regulatory concerns can cause for institutions and teach banks how to leverage their regulatory position to find new opportunities. Bart serves as an expert resource for Performance Trust in bank policy and regulatory matters and helps develop many different types of materials to educate customers. Prior to joining Performance Trust, Bart began his career as an Assistant Examiner in the Houston, TX Field Office. In 2002, after a series of promotions, Bart became the Territory Supervisor for the Charlotte, NC office.

Bart Smith

Our Leadership

Learn More About PT ScoreTM

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