| Metric | Pinnacle Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.4% | +4.5 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.2 pts |
| Loan growth (YoY) | +6.3% | +5.6% | +0.7 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 19.6% | 11.9% | +7.8 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.5M | $355.0M | $134.1M | $23.0M | $2.2M | 1.15% | 3.55% | 0.01% |
| Q1 2026 | $386.1M | $357.4M | $134.0M | $21.4M | $1.1M | 1.18% | 3.57% | 0.02% |
| Q4 2025 | $363.6M | $334.7M | $130.8M | $21.8M | $4.3M | 1.21% | 3.64% | 0.01% |
| Q3 2025 | $355.0M | $329.1M | $126.0M | $19.9M | $3.2M | 1.19% | 3.64% | 0.03% |
| Q2 2025 | $353.2M | $331.2M | $126.2M | $16.3M | $2.1M | 1.17% | 3.62% | 0.00% |
| Q1 2025 | $359.2M | $337.1M | $135.4M | $16.2M | $1.0M | 1.19% | 3.65% | 0.00% |
| Q4 2024 | $345.7M | $321.5M | $129.4M | $12.8M | $4.2M | 1.22% | 3.64% | 0.00% |
| Q3 2024 | $348.3M | $318.0M | $128.9M | $19.0M | $3.1M | 1.21% | 3.65% | 0.00% |
Loan mix (Q2 2026): real estate $90.1M · commercial $30.2M · consumer $4.7M · securities $185.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 62.9% | 40th |
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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