BlastPoint's Banking Scorecard

Pinnacle Bank

Community Specialty: Commercial TX FDIC cert 20231

Fort Worth, TX

1484 banks in Community tier nationally 136 in TX

View Community leaderboard (TX) →

Pinnacle Bank demonstrates 1 strength

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 22% in Community

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Pinnacle Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$2.7B +1.8% YoY +0.2% QoQ	+$1.3B	$1.4B +2.0% YoY	$2.3B -0.7% YoY	$5.9B +6.5% YoY	Top 12% in tier
Total Loans ?	$1.8B +8.2% YoY +0.0% QoQ	+$863.4M	$975.5M +2.4% YoY	$1.0B +7.5% YoY	$3.1B +8.5% YoY	Top 13% in tier
Total Deposits ?	$2.4B -0.2% YoY -0.2% QoQ	+$1.2B	$1.2B +1.7% YoY	$1.9B +2.1% YoY	$4.7B +6.3% YoY	Top 11% in tier
Return on Assets ?	1.14% +81.4% YoY +5.2% QoQ	-0.03%	1.16% +17.2% YoY	1.40% +9.8% YoY	1.12% +15.6% YoY	51%
Net Interest Margin ?	3.44% +29.3% YoY +3.0% QoQ	-0.22%	3.66% +9.1% YoY	4.07% +5.6% YoY	3.75% +7.1% YoY	39%
Efficiency Ratio ?	52.69% -12.9% YoY -1.2% QoQ	-9.94%	62.63% -5.3% YoY	61.95% -3.4% YoY	65.09% -5.1% YoY	78%
Delinquency Rate ?	0.15% -17.6% YoY +52.3% QoQ	-0.48%	0.63% +18.3% YoY	0.57% +45.3% YoY	0.66% +20.3% YoY	77%
Loan-to-Deposit Ratio ?	78.15% +8.4% YoY +0.2% QoQ	-4.92%	83.06% +0.3% YoY	67.65% -1.7% YoY	78.04% +0.7% YoY	34%
Non-Interest-Bearing Deposit Share ?	26.90% +0.3% YoY -1.1% QoQ	+5.85%	21.05% -0.9% YoY	29.04% -1.4% YoY	21.79% -1.3% YoY	76%
Nonperforming Asset Ratio ?	1.29% +8.8% YoY +5.4% QoQ	+0.79%	0.50% +20.3% YoY	0.42% +34.9% YoY	0.48% +20.8% YoY	Bottom 14% in tier
Tier 1 Capital Ratio ?	14.08% +1.3% YoY +1.1% QoQ	+3.83%	10.24% -0.6% YoY	10.86% -2.2% YoY	9.75% -1.9% YoY	69%
Non-Interest Income / Assets ?	0.34% -34.6% YoY +29.0% QoQ	-0.40%	0.74% -1.3% YoY	0.87% +17.4% YoY	0.65% +0.6% YoY	28%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#82 of 371 · Top 22% in Community

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.63%, National: 0.66%)

better than tier avg

371 of 371 Community banks match · 443 nationally

→ Stable +6 banks QoQ | QoQ rank declining

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Deposits

Current: $2.4B · Tier avg: $1.2B

89th pctile

Total Assets

Current: $2.7B · Tier avg: $1.4B

88th pctile

Total Loans

Current: $1.8B · Tier avg: $975.5M

87th pctile

Efficiency Ratio

Current: 52.69% · Tier avg: 62.63%

78th pctile

Delinquency Rate

Current: 0.15% · Tier avg: 0.63%

77th pctile

Non-Interest-Bearing Deposit Share

Current: 26.90% · Tier avg: 21.05%

76th pctile

Tier 1 Capital Ratio

Current: 14.08% · Tier avg: 10.24%

69th pctile

Return on Assets

Current: 1.14% · Tier avg: 1.16%

51th pctile

Net Interest Margin

Current: 3.44% · Tier avg: 3.66%

39th pctile

Loan-to-Deposit Ratio

Current: 78.15% · Tier avg: 83.06%

34th pctile

Non-Interest Income / Assets

Current: 0.34% · Tier avg: 0.74%

28th pctile

Nonperforming Asset Ratio

Current: 1.29% · Tier avg: 0.50%

14th pctile

Top Weaknesses