| Metric | Pinnacle Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.0% | +1.0 pts |
| Deposit growth (YoY) | +6.6% | +2.5% | +4.1 pts |
| Loan growth (YoY) | +8.0% | +2.6% | +5.4 pts |
| ROA | 0.43% | 0.99% | -0.6 pts |
| ROE | 2.5% | 8.1% | -5.5 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.9M | $46.8M | $36.7M | $9.9M | $125K | 0.43% | 4.26% | 1.53% |
| Q1 2026 | $58.0M | $47.0M | $37.1M | $9.8M | $45K | 0.31% | 4.16% | 2.43% |
| Q4 2025 | $59.1M | $48.0M | $36.9M | $9.8M | $496K | 0.87% | 4.30% | 1.97% |
| Q3 2025 | $58.0M | $46.8M | $35.9M | $9.9M | $410K | 0.97% | 4.33% | 1.87% |
| Q2 2025 | $55.6M | $43.9M | $34.0M | $9.7M | $268K | 0.96% | 4.27% | 0.72% |
| Q1 2025 | $55.6M | $44.1M | $31.4M | $9.5M | $104K | 0.75% | 4.04% | 1.07% |
| Q4 2024 | $55.5M | $42.4M | $30.3M | $9.3M | $511K | 0.95% | 4.44% | 1.15% |
| Q3 2024 | $54.0M | $40.5M | $32.4M | $9.5M | $399K | 1.00% | 4.54% | 1.21% |
Loan mix (Q2 2026): real estate $27.9M · commercial $5.0M · consumer $3.5M · securities $13.0M
| Ratio | Pinnacle Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.99% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 8.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 70.8% | 60th |
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, Inc. | 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, Inc. | 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, Inc. | 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, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.