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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 75thStandingRank8-Qtr TrendPeer 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