| Metric | Pinnacle Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +1.9% | +5.3% | -3.5 pts |
| ROA | 0.61% | 1.28% | -0.7 pts |
| ROE | 5.2% | 12.4% | -7.2 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $937.0M | $810.3M | $569.1M | $109.5M | $2.8M | 0.61% | 3.75% | 1.85% |
| Q1 2026 | $945.8M | $823.5M | $553.9M | $107.9M | $1.3M | 0.57% | 3.81% | 2.32% |
| Q4 2025 | $890.4M | $765.8M | $567.5M | $106.3M | $5.5M | 0.62% | 4.19% | 2.24% |
| Q3 2025 | $905.7M | $785.0M | $556.4M | $105.5M | $5.2M | 0.78% | 4.23% | 1.86% |
| Q2 2025 | $878.1M | $759.3M | $558.6M | $104.1M | $4.1M | 0.94% | 4.25% | 1.31% |
| Q1 2025 | $892.5M | $775.0M | $565.9M | $101.5M | $1.9M | 0.88% | 4.21% | 1.41% |
| Q4 2024 | $846.8M | $732.2M | $589.2M | $99.0M | $8.8M | 1.04% | 4.73% | 1.41% |
| Q3 2024 | $891.4M | $780.9M | $602.9M | $95.6M | $5.4M | 0.85% | 4.74% | 0.94% |
Loan mix (Q2 2026): real estate $530.2M · commercial $45.5M · consumer $209K · securities $95.6M
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.28% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 12.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 61.2% | 85th |
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% |
| 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% |
| 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% |
| 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% |
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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