BlastPoint's Banking Scorecard
Pinnacle Bank
Large
Specialty: Commercial
TN
FDIC cert 35583
Nashville, TN
69
banks in Large tier nationally
2 in TN
View Large leaderboard (TN) →
Pinnacle Bank shows strong momentum with 1 strength and 9.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 41% in Large
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.6B
+9.8% YoY
+3.2% QoQ
|
-$17.2B |
$74.9B
-4.4% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$38.8B
+10.0% YoY
+3.0% QoQ
|
-$7.6B |
$46.4B
-2.1% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$47.9B
+11.1% YoY
+4.1% QoQ
|
-$12.6B |
$60.5B
-4.5% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.25%
+20.8% YoY
+1.6% QoQ
|
+0.06% |
1.19%
+17.8% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.21%
+2.6% YoY
+0.5% QoQ
|
-0.25% |
3.46%
+13.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
53.06%
-1.7% YoY
-1.3% QoQ
|
-1.96% |
55.03%
-2.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.35%
-18.2% YoY
-13.2% QoQ
|
-0.53% |
0.88%
-0.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
81.06%
-1.0% YoY
-1.0% QoQ
|
-0.66% |
81.72%
+3.9% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
18.93%
-0.3% YoY
-2.9% QoQ
|
-1.04% |
19.97%
+0.5% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.25%
-13.9% YoY
-11.2% QoQ
|
-0.30% |
0.55%
+9.0% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
11.13%
-3.9% YoY
-3.5% QoQ
|
-2.20% |
13.33%
-0.7% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Bottom 10% in tier |
| Non-Interest Income / Assets ? |
0.88%
+6.2% YoY
+31.4% QoQ
|
-0.21% |
1.09%
+2.4% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#8 of 18 · Top 41% in Large
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.35%
(Tier: 0.88%, National: 0.66%)
18 of 18 Large 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%
Top Strengths
83
83th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.88%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.55%
69
69th pctile
Efficiency Ratio
Current: 53.06% · Tier avg: 55.03%
61
61th pctile
Total Loans
Current: $38.8B · Tier avg: $46.4B
59
59th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.19%
59
59th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 1.09%
58
58th pctile
Total Deposits
Current: $47.9B · Tier avg: $60.5B
57
57th pctile
Total Assets
Current: $57.6B · Tier avg: $74.9B
43
43th pctile
Loan-to-Deposit Ratio
Current: 81.06% · Tier avg: 81.72%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.93% · Tier avg: 19.97%
35
35th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.46%
10
10th pctile
Tier 1 Capital Ratio
Current: 11.13% · Tier avg: 13.33%
Top Weaknesses
10
10th pctile
Tier 1 Capital Ratio
Current: 11.13% · Tier avg: 13.33%
35
35th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.46%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.93% · Tier avg: 19.97%
43
43th pctile
Loan-to-Deposit Ratio
Current: 81.06% · Tier avg: 81.72%
57
57th pctile
Total Assets
Current: $57.6B · Tier avg: $74.9B
58
58th pctile
Total Deposits
Current: $47.9B · Tier avg: $60.5B
59
59th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 1.09%
59
59th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.19%
61
61th pctile
Total Loans
Current: $38.8B · Tier avg: $46.4B
69
69th pctile
Efficiency Ratio
Current: 53.06% · Tier avg: 55.03%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.55%
83
83th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.88%