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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

4.59%Q2 ’244.79%Q2 ’255.10%Q2 ’26+31%+16%

Non-interest income vs. expense

1.81%Q2 ’241.92%Q2 ’252.02%Q2 ’26+194%+5%

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 1.45%, up 34 bps year over year; NIM at 3.67%.
  • 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 (quarter, annualized)

1.45%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.67%+50 bps YoY

Efficiency Ratio (quarter, annualized)

49.18%-389 bps YoY

Tier 1 Leverage Ratio

10.93%+70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.16%1.31%1.37%1.45%+34 bps
Return on Equity9.22%9.25%10.16%10.57%11.15%+193 bps
Net Interest Margin3.17%3.36%3.50%3.54%3.67%+50 bps
Efficiency Ratio53.07%52.88%50.91%49.80%49.18%-389 bps
Non-Interest Burden1.59%1.66%1.69%1.65%1.68%+9 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%0.02%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