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 | |