A photothermographic material comprising a support, and an image-forming layer and a non-image-forming layer provided on the support, wherein the image-forming layer comprises a photosensitive silver halide, a non-photosensitive organic silver salt, a reducing agent, and a binder; the non-image-forming layer includes a slipping agent having a melting point of 80.degree. C. to 120.degree. C.; the coefficient (K1) of dynamic friction measured at a velocity of 0.1 cm/sec and the coefficient (K2) of dynamic friction measured at a velocity of 10 cm/sec have a relation represented by formula (1): Formula (1) 1.20>K1/K2>0.90. Also provided is an image-forming method using the photothermographic material.