Cody, WY · Cert 2232 · Pinnacle Bcorp Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
81
Profitability
83
Liquidity
45
Efficiency
87
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.
Cody, WY · Cert 2232 · Pinnacle Bcorp Inc.
State charter, non-member · FDIC · 3 affiliate banks · 15 branches (172 in holding)
Q2 2026
Market Position · Cheyenne, WY · 2026 SOD (annual) · 2.8% share · #13 of 19 inst. · $0.1B of $3.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.95% | 1.03% | 1.15% | 1.23% | 1.28% | 1.64% | 1.67% | +52 bps | |
| Return on Equity | 11.78% | 12.49% | 12.51% | 13.37% | 13.96% | 14.41% | 17.41% | 17.49% | +412 bps | |
| Net Interest Margin | 2.52% | 2.66% | 2.95% | 3.16% | 3.27% | 3.30% | 3.77% | 3.87% | +71 bps | |
| Efficiency Ratio | 60.93% | 59.36% | 59.46% | 57.15% | 54.96% | 53.47% | 47.97% | 47.17% | -998 bps | |
| Non-Interest Burden | 1.42% | 1.46% | 1.67% | 1.70% | 1.68% | 1.65% | 1.62% | 1.66% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.04% | 0.09% | -5.39% | -6.34% | -0.48% | 1.86% | -0.90% | 1.94% | +829 bps | |
| Loan Growth (YoY) | 3.06% | 1.99% | 2.70% | 7.75% | 7.08% | 8.59% | 10.92% | 6.20% | -155 bps | |
| Deposit Growth (YoY) | -1.20% | -0.46% | -0.61% | -0.71% | -0.45% | 1.35% | -0.54% | 1.66% | +237 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.47% | 0.29% | 0.25% | 0.51% | 0.26% | 0.27% | 0.26% | +1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.29% | 1.27% | 1.26% | 1.21% | 1.20% | 1.24% | 1.22% | 1.25% | +4 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.7x | 4.4x | 4.8x | 2.3x | 4.8x | 4.5x | 4.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.44% | 9.56% | 9.98% | 10.47% | 10.53% | 10.37% | 10.28% | 10.69% | +22 bps | |
| Total Risk-Based Capital | 15.98% | 15.86% | 16.03% | 16.00% | 15.74% | 15.88% | 15.05% | 15.64% | -37 bps | |
| Equity / Assets | 8.27% | 7.87% | 8.61% | 9.30% | 9.36% | 9.41% | 9.44% | 9.76% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.79% | 70.43% | 72.96% | 76.81% | 77.21% | 75.46% | 81.36% | 80.24% | +343 bps | |
| Liquid Assets / Assets | 2.41% | 5.33% | 3.50% | 0.50% | 1.83% | 6.39% | 1.09% | 4.39% | +389 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 296% | 330% | n/a | n/a | |
Cody, WY · Cert 2232 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Pinnacle Bcorp Inc.
State charter, non-member · FDIC · 3 affiliate banks · 15 branches (172 in holding)
Q2 2026
Return on Assets
1.67%
Rank 25 of 176
Net Interest Margin
3.87%
Rank 50 of 176
Efficiency Ratio
47.17%
Rank 23 of 176
Equity / Assets
9.76%
Rank 112 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.67% | 0.93% | 1.26% | 1.54% | Beats 86% | 25 / 176 | ||
| Return on Equity | 17.13% | 9.26% | 11.89% | 14.46% | Beats 92% | 14 / 176 | ||
| Net Interest Margin | 3.87% | 3.25% | 3.59% | 3.93% | Beats 72% | 50 / 176 | ||
| Efficiency Ratio | 47.17% | 52.79% | 59.55% | 67.66% | Beats 87% | 23 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.30% | 0.64% | 1.32% | Beats 81% | 35 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 81% | 34 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.39% | 11.15% | 12.72% | 14.15% | Beats 77% | 40 / 176 | ||
| Total Risk-Based Capital Ratio | 15.64% | 11.81% | 13.63% | 15.33% | Beats 78% | 38 / 176 | ||
| Equity / Assets | 9.76% | 9.16% | 10.35% | 11.80% | Beats 36% | 112 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.24% | 80.94% | 89.73% | 97.21% | 22nd pctl | 137 / 176 | ||
| Loans / Assets | 71.93% | 69.25% | 75.12% | 80.82% | 35th pctl | 115 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||