Photothermographic material and image forming method

A photothermographic material comprising, on at least one side of a support, an image forming layer comprising at least a photosensitive silver halide, a non-photosensitive organic silver salt, a reducing agent, and a binder, a non-photosensitive outermost layer which is disposed on the same side of the support as the side having thereon the image forming layer, wherein

• 1) the non-photosensitive outermost layer comprises a copolymer latex having at least the following monomer (M1) and monomer (M2) as copolymerization components;
• and
• 2) a maximum surface roughness (Rt) on the image forming layer side is 1.5 μm or less;
• wherein
• monomer (M1) is a monomer having a salt or salt forming group, or a poly(alkylene oxide) group and having an unsaturated bond which performs radical polymerization;
• and
• monomer (M2) is a monomer containing a fluorine atom and having an unsaturated bond which performs radical polymerization;
• and
• 3) the non-photosensitive outermost layer and a layer adjacent to the outermost layer do not contain any matting agents;
• and further comprising a back layer on the opposite side of the support from the side having thereon the image forming layer, and a maximum surface roughness (Rt) of the back layer surface is from 3 μm to 10 μm.