BlastPoint's Banking Scorecard
Pinnacle Bank
Mid-Market
Specialty: Commercial
NE
FDIC cert 10634
Lincoln, NE
201
banks in Mid-Market tier nationally
2 in NE
View Mid-Market leaderboard (NE) →
Pinnacle Bank shows strong momentum with 1 strength and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.9B
+7.0% YoY
+3.4% QoQ
|
-$1.6B |
$10.5B
+2.9% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$6.5B
+7.1% YoY
+2.9% QoQ
|
-$596.2M |
$7.1B
+4.5% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$7.8B
+8.1% YoY
+4.0% QoQ
|
-$699.3M |
$8.5B
+3.0% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.26%
+65.2% YoY
+3.6% QoQ
|
+0.09% |
1.16%
+9.4% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.00%
+31.0% YoY
+2.7% QoQ
|
-0.40% |
3.40%
+7.9% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
51.75%
-16.3% YoY
-1.5% QoQ
|
-4.86% |
56.60%
-3.2% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.05%
-55.9% YoY
-37.7% QoQ
|
-0.63% |
0.68%
+12.0% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
83.36%
-0.8% YoY
-1.1% QoQ
|
-2.12% |
85.47%
+1.1% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
21.21%
-4.0% YoY
-3.3% QoQ
|
+0.57% |
20.64%
-0.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.13%
-32.6% YoY
-22.3% QoQ
|
-0.37% |
0.50%
+7.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
12.37%
+6.0% YoY
+0.5% QoQ
|
-1.18% |
13.55%
+1.8% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.48%
-7.9% YoY
+29.4% QoQ
|
-0.47% |
0.96%
+7.1% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 6%
in Mid-Market
Why this stands out
Current:
0.05%
(Tier avg: 0.68%, National avg: 0.66%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.68%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
69
69th pctile
Efficiency Ratio
Current: 51.75% · Tier avg: 56.60%
61
61th pctile
Total Deposits
Current: $7.8B · Tier avg: $8.5B
57
57th pctile
Total Loans
Current: $6.5B · Tier avg: $7.1B
57
57th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
54
54th pctile
Total Assets
Current: $8.9B · Tier avg: $10.5B
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.21% · Tier avg: 20.64%
41
41th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 13.55%
39
39th pctile
Loan-to-Deposit Ratio
Current: 83.36% · Tier avg: 85.47%
31
31th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.96%
29
29th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.40%
Top Weaknesses
29
29th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.40%
31
31th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.96%
39
39th pctile
Loan-to-Deposit Ratio
Current: 83.36% · Tier avg: 85.47%
41
41th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 13.55%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.21% · Tier avg: 20.64%
54
54th pctile
Total Assets
Current: $8.9B · Tier avg: $10.5B
57
57th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.16%
57
57th pctile
Total Loans
Current: $6.5B · Tier avg: $7.1B
61
61th pctile
Total Deposits
Current: $7.8B · Tier avg: $8.5B
69
69th pctile
Efficiency Ratio
Current: 51.75% · Tier avg: 56.60%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.68%