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Pinnacle Bank

Fort Worth, TX · Cert 20231 · Pinnacle Bcorp Inc.

State charter, non-member · FDIC · 28 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pinnacle Bank

Fort Worth, TX · Cert 20231 · Pinnacle Bcorp Inc.

State charter, non-member · FDIC · 3 affiliate banks · 28 branches (172 in holding)

Q2 2026

$2.7BAssets
$1.9BLoans
$2.3BDeposits
$359.5MEquity
Loan mix
96%RE $1.8B4%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $1.7B28%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.55%Q2 ’244.70%Q2 ’255.03%Q2 ’26+26%+18%

Non-interest income vs. expense

1.79%Q2 ’241.88%Q2 ’251.99%Q2 ’26+46%+8%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.3% share · #27 of 166 inst. · $1.9B of $732.8B

1.8% Tarrant
15.4% Johnson
6.3% Tom Green
4.9% Parker

Executive Summary

  • Earnings: ROA of 1.41%, up 36 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.13% of loans (+10 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.93%, up 70 bps from a year ago.
  • Funding: loans stand at 81.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+54 bps YoY

Efficiency Ratio (YTD, annualized)

49.49%-413 bps YoY

Tier 1 Leverage Ratio

10.93%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.08%1.14%1.37%1.41%+36 bps
Return on Equity8.84%8.99%9.30%10.57%10.81%+197 bps
Net Interest Margin3.05%3.14%3.21%3.54%3.59%+54 bps
Efficiency Ratio53.61%53.35%52.69%49.80%49.49%-413 bps
Non-Interest Burden1.54%1.58%1.59%1.65%1.66%+12 bps
Growth
Asset Growth (YoY)-4.06%1.69%1.79%-1.20%1.22%+528 bps
Loan Growth (YoY)12.21%11.09%8.22%7.39%5.39%-683 bps
Deposit Growth (YoY)1.29%0.78%-0.18%-2.62%0.21%-108 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.10%0.15%0.07%0.13%+10 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.01%0 bps
Allowance / Loans1.16%1.16%1.18%1.17%1.16%0 bps
Allowance Coverage of NPLs41.8x12.1x8.1x16.8x9.0x-32.8x
Capital
Tier 1 Leverage Ratio10.23%10.48%10.61%10.58%10.93%+70 bps
Total Risk-Based Capital14.90%14.98%15.21%14.75%15.19%+29 bps
Equity / Assets12.42%12.68%13.06%12.84%13.21%+79 bps
Liquidity & Funding
Loans / Deposits77.62%78.89%79.07%80.48%81.63%+401 bps
Liquid Assets / Assets1.56%2.87%3.90%3.14%4.23%+266 bps
CRE / Total Capitaln/a460%456%477%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pinnacle Bank

Fort Worth, TX · Cert 20231 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Pinnacle Bcorp Inc.

State charter, non-member · FDIC · 3 affiliate banks · 28 branches (172 in holding)

Q2 2026

$2.7BAssets
$1.9BLoans
$2.3BDeposits
$359.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 5 of 20).
  • Widest gap: total risk-based capital ratio trails 65% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 13 of 20).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.41%

Rank 8 of 20

Net Interest Margin

3.59%

Rank 9 of 20

Efficiency Ratio

52.33%

Rank 6 of 20

Equity / Assets

13.21%

Rank 5 of 20

Non-interest income vs. expense

$9.0M$54.5MINCOMEEXPENSE
Unfavorable gap of $45.5M · efficiency ratio beats 75% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 52.33%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%0.68%1.15%1.86%Beats 60%8 / 20
Return on Equity10.67%7.45%10.95%14.25%Beats 45%11 / 20
Net Interest Margin3.59%2.87%3.58%4.28%Beats 55%9 / 20
Efficiency Ratio52.33%52.33%65.48%74.79%Beats 75%6 / 20
Asset Quality
Nonperforming Loans / Loans0.13%0.18%0.42%1.54%Beats 80%5 / 20
Net Charge-Offs / Loans0.01%0.00%0.02%0.14%Beats 60%9 / 20
Capital
Tier 1 Capital Ratio14.07%13.35%15.71%17.39%Beats 35%13 / 20
Total Risk-Based Capital Ratio15.19%14.55%16.02%18.64%Beats 35%13 / 20
Equity / Assets13.21%9.74%11.64%13.21%Beats 75%5 / 20
Liquidity & Funding
Loans / Deposits81.63%72.63%81.14%96.60%55th pctl9 / 20
Loans / Assets70.25%60.26%69.54%79.68%55th pctl9 / 20
Brokered Deposits / Depositsn/aNot reported for this institution