BlastPoint's Banking Scorecard
Pinnacle Bank
Micro
Specialty: Commercial
IA
FDIC cert 252
Designations: ✓ Community bank
Marshalltown, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Pinnacle Bank shows strong momentum with 1 strength and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.78% 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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$306.6M
+5.2% YoY
-2.6% QoQ
|
+$89.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$209.2M
+1.8% YoY
+0.3% QoQ
|
+$70.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$263.4M
+6.9% YoY
-3.3% QoQ
|
+$79.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.51%
+40.0% YoY
+0.4% QoQ
|
+0.43% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.60%
+11.8% YoY
+1.9% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
47.94%
-5.2% YoY
-0.0% QoQ
|
-19.78% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
2.08%
+860.4% YoY
+0.9% QoQ
|
+1.44% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
79.43%
-4.7% YoY
+3.7% QoQ
|
+4.90% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
16.77%
+27.0% YoY
+3.7% QoQ
|
-5.62% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.42%
+829.8% YoY
+3.9% QoQ
|
+0.96% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
17.17%
+3.3% YoY
+0.7% QoQ
|
+8.32% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.65%
+1.0% YoY
+40.4% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
47.94%
(Tier avg: 67.73%, National avg: 65.09%)
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
92
92th pctile
Efficiency Ratio
Current: 47.94% · Tier avg: 67.73%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.17% · Tier avg: 8.85%
76
76th pctile
Total Loans
Current: $209.2M · Tier avg: $139.2M
75
75th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.08%
74
74th pctile
Total Deposits
Current: $263.4M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $306.6M · Tier avg: $217.5M
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.43% · Tier avg: 74.53%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.77% · Tier avg: 22.39%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.08% · Tier avg: 0.64%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 2.08% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.77% · Tier avg: 22.39%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.43% · Tier avg: 74.53%
73
73th pctile
Total Assets
Current: $306.6M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $263.4M · Tier avg: $183.7M
75
75th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.08%
76
76th pctile
Total Loans
Current: $209.2M · Tier avg: $139.2M
79
79th pctile
Tier 1 Capital Ratio
Current: 17.17% · Tier avg: 8.85%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
92
92th pctile
Efficiency Ratio
Current: 47.94% · Tier avg: 67.73%