BlastPoint's Banking Scorecard
Pinnacle Bank
Micro
Specialty: Other
AL
FDIC cert 29548
Designations: ✓ Community bank
Jasper, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Pinnacle Bank shows strong momentum with 1 strength and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 35.44% 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$363.6M
+5.2% YoY
+2.4% QoQ
|
+$146.1M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$130.8M
+1.1% YoY
+3.8% QoQ
|
-$8.3M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$334.7M
+4.1% YoY
+1.7% QoQ
|
+$151.1M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.21%
-0.6% YoY
+1.7% QoQ
|
+0.13% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.64%
+0.1% YoY
-0.1% QoQ
|
-0.21% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
60.97%
+1.2% YoY
-0.1% QoQ
|
-6.76% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.02%
-81.1% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
39.09%
-2.9% YoY
+2.1% QoQ
|
-35.44% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.91%
-1.3% YoY
-2.5% QoQ
|
+5.52% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.01%
-80.8% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
19.88%
+4.8% YoY
-2.2% QoQ
|
+11.03% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.58%
-6.4% YoY
+31.8% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
39.09%
(Tier avg: 74.53%, National avg: 78.04%)
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
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.09% · Tier avg: 74.53%
87
87th pctile
Total Deposits
Current: $334.7M · Tier avg: $183.7M
86
86th pctile
Tier 1 Capital Ratio
Current: 19.88% · Tier avg: 8.85%
82
82th pctile
Total Assets
Current: $363.6M · Tier avg: $217.5M
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.91% · Tier avg: 22.39%
64
64th pctile
Efficiency Ratio
Current: 60.97% · Tier avg: 67.73%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
54
54th pctile
Total Loans
Current: $130.8M · Tier avg: $139.2M
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
Top Weaknesses
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
54
54th pctile
Total Loans
Current: $130.8M · Tier avg: $139.2M
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
64
64th pctile
Efficiency Ratio
Current: 60.97% · Tier avg: 67.73%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.91% · Tier avg: 22.39%
75
75th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
82
82th pctile
Total Assets
Current: $363.6M · Tier avg: $217.5M
86
86th pctile
Tier 1 Capital Ratio
Current: 19.88% · Tier avg: 8.85%
87
87th pctile
Total Deposits
Current: $334.7M · Tier avg: $183.7M
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.09% · Tier avg: 74.53%