BlastPoint's Banking Scorecard
Pinnacle Bank, Inc.
Micro
Specialty: Commercial
KY
FDIC cert 22355
Designations: ✓ Community bank
Pikeville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Pinnacle Bank, Inc. faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.81% above tier
- - Nonperforming Asset Ratio 1.51% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$59.1M
+6.4% YoY
+1.9% QoQ
|
-$158.4M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$36.9M
+21.8% YoY
+2.7% QoQ
|
-$102.3M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$48.0M
+13.4% YoY
+2.6% QoQ
|
-$135.6M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.87%
-8.3% YoY
-10.2% QoQ
|
-0.21% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
4.30%
-3.0% YoY
-0.6% QoQ
|
+0.45% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
70.87%
-0.1% YoY
+2.6% QoQ
|
+3.15% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
2.45%
+62.6% YoY
+7.8% QoQ
|
+1.81% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
76.74%
+7.4% YoY
+0.1% QoQ
|
+2.22% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
25.62%
+8.2% YoY
-8.6% QoQ
|
+3.23% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.97%
+70.4% YoY
+5.4% QoQ
|
+1.51% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
-2.4% YoY
+43.6% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.97%
(Tier avg: 0.45%, National avg: 0.48%)
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
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.62% · Tier avg: 22.39%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.74% · Tier avg: 74.53%
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
38
38th pctile
Efficiency Ratio
Current: 70.87% · Tier avg: 67.73%
14
14th pctile
Total Loans
Current: $36.9M · Tier avg: $139.2M
10
10th pctile
Total Assets
Current: $59.1M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $48.0M · Tier avg: $183.7M
9
9th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.97% · Tier avg: 0.45%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.97% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.64%
10
10th pctile
Total Deposits
Current: $48.0M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $59.1M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $36.9M · Tier avg: $139.2M
38
38th pctile
Efficiency Ratio
Current: 70.87% · Tier avg: 67.73%
38
38th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.74% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.62% · Tier avg: 22.39%
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%