| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.5% | -3.5 pts |
| Deposit growth (YoY) | +1.7% | +5.1% | -3.4 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.2 pts |
| ROA | 1.67% | 1.26% | +0.4 pts |
| ROE | 17.5% | 12.2% | +5.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.30B | $1.16B | $922.3M | $126.8M | $10.9M | 1.67% | 3.99% | 0.24% |
| Q1 2026 | $1.27B | $1.15B | $921.2M | $120.3M | $5.3M | 1.64% | 3.87% | 0.25% |
| Q4 2025 | $1.33B | $1.20B | $893.5M | $125.5M | $16.7M | 1.28% | 3.50% | 0.40% |
| Q3 2025 | $1.29B | $1.16B | $887.8M | $121.1M | $11.9M | 1.23% | 3.40% | 0.42% |
| Q2 2025 | $1.27B | $1.14B | $868.8M | $118.5M | $7.4M | 1.15% | 3.28% | 0.24% |
| Q1 2025 | $1.29B | $1.15B | $830.2M | $110.7M | $3.3M | 1.03% | 3.11% | 0.25% |
| Q4 2024 | $1.31B | $1.18B | $822.5M | $103.0M | $12.6M | 0.95% | 2.79% | 0.37% |
| Q3 2024 | $1.30B | $1.17B | $828.4M | $107.5M | $8.9M | 0.89% | 2.69% | 0.31% |
Loan mix (Q2 2026): real estate $784.6M · commercial $70.7M · consumer $7.8M · securities $270.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pinnacle Bank - Wyoming | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 12.2% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.2% | 59.0% | 17th |
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 - Wyoming | 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 - Wyoming | 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 - Wyoming | 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 - Wyoming | 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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