A photothermographic material including, on at least one side of a support, an image forming layer including at least a photosensitive silver halide, a first organic silver salt, a reducing agent, and a binder, and at least one non-photosensitive layer which is disposed on the same side as the image forming layer and farther from the support than the image forming layer, wherein 50% or more of a total projected area of the photosensitive silver halide is occupied by tabular grains having a silver iodide content of 40 mol % or higher and an aspect ratio of 2 or more, and the non-photosensitive layer comprises a second organic silver salt, and an image forming method using the same. The invention provides a photothermographic material and an image forming method excellent in image tone and image storability.