Pinnacle Bank
Total assets
$2.72B
▲ +1.2% YoY
Deposits
$2.34B
▲ +0.2% YoY
Loans
$1.89B
▲ +5.4% YoY
Offices
28
PINNACLE BCORP INC
ROA (annualized)
1.41%
peers 1.26%
ROE (annualized)
10.81%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Pinnacle Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +5.5% | -4.2 pts |
| Deposit growth (YoY) | +0.2% | +5.1% | -4.8 pts |
| Loan growth (YoY) | +5.4% | +5.9% | -0.5 pts |
| ROA | 1.41% | 1.26% | +0.1 pts |
| ROE | 10.8% | 12.2% | -1.4 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
Profile
- Established
- 1970
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PINNACLE BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 250 W Lancaster Ave, Fort Worth, TX, 76102
- County
- Tarrant
- Metro area
- Dallas-Fort Worth-Arlington, TX
- Offices
- 28
- FDIC cert #
- 20231
- RSSD ID
- 867650
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.72B | $2.34B | $1.89B | $359.5M | $19.2M | 1.41% | 3.79% | 1.31% |
| Q1 2026 | $2.71B | $2.35B | $1.87B | $348.1M | $9.3M | 1.37% | 3.71% | 1.26% |
| Q4 2025 | $2.73B | $2.35B | $1.84B | $356.4M | $30.9M | 1.14% | 3.44% | 1.29% |
| Q3 2025 | $2.72B | $2.36B | $1.84B | $345.5M | $22.0M | 1.08% | 3.34% | 1.22% |
| Q2 2025 | $2.69B | $2.34B | $1.79B | $334.0M | $14.1M | 1.05% | 3.23% | 1.13% |
| Q1 2025 | $2.74B | $2.41B | $1.74B | $319.8M | $6.6M | 0.97% | 3.09% | 1.06% |
| Q4 2024 | $2.68B | $2.36B | $1.70B | $305.9M | $17.0M | 0.63% | 2.66% | 1.18% |
| Q3 2024 | $2.68B | $2.34B | $1.66B | $320.4M | $11.8M | 0.58% | 2.54% | 1.09% |
Loan mix (Q2 2026): real estate $1.83B · commercial $71.7M · consumer $8.7M · securities $506.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.2% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.70% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 59.0% | 22th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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