| Metric | Pinnacle Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +5.5% | +2.4 pts |
| Deposit growth (YoY) | +7.8% | +5.1% | +2.8 pts |
| Loan growth (YoY) | +7.7% | +5.9% | +1.8 pts |
| ROA | 1.49% | 1.26% | +0.2 pts |
| ROE | 15.6% | 12.2% | +3.4 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.18B | $8.13B | $6.75B | $888.8M | $67.3M | 1.49% | 3.36% | 0.14% |
| Q1 2026 | $9.12B | $8.13B | $6.66B | $848.6M | $32.5M | 1.45% | 3.27% | 0.21% |
| Q4 2025 | $8.86B | $7.84B | $6.54B | $857.9M | $107.1M | 1.26% | 3.00% | 0.13% |
| Q3 2025 | $8.57B | $7.54B | $6.35B | $820.4M | $76.8M | 1.21% | 2.92% | 0.17% |
| Q2 2025 | $8.51B | $7.54B | $6.27B | $779.7M | $47.9M | 1.14% | 2.81% | 0.18% |
| Q1 2025 | $8.46B | $7.44B | $6.15B | $738.1M | $22.9M | 1.09% | 2.69% | 0.20% |
| Q4 2024 | $8.28B | $7.26B | $6.10B | $694.5M | $64.8M | 0.76% | 2.29% | 0.20% |
| Q3 2024 | $8.92B | $7.30B | $5.96B | $702.2M | $43.0M | 0.67% | 2.20% | 0.20% |
Loan mix (Q2 2026): real estate $5.07B · commercial $600.5M · consumer $44.5M · securities $1.29B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pinnacle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.26% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 59.0% | 15th |
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% |
The full ratio pack is part of CharterBench Pro.