Pinnacle Bank - Wyoming
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
$1.3BAssets
$934.0MLoans
$1.2BDeposits
$126.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 92% of banks $1B-$10B in assets operating regionally (rank 14 of 176).
- Widest gap: equity / assets trails 64% of banks $1B-$10B in assets operating regionally (rank 112 of 176).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $21.5M · efficiency ratio beats 87% of banks $1B-$10B in assets operating regionally | 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 |