BlastPoint's Banking Scorecard
Pinnacle Bank
Lincoln, NE
72 branches across NE · MO · KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
- Deposits +7.8% year over year ($8.1B on the books).
- Delinquency rate 0.07%.
- Return on assets 1.49%.
- Efficiency ratio 46.26% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.04% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pinnacle Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.80% below tier average
- + ROA 0.10% above tier average
- + Efficiency Ratio 13.47% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.51% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.2B
+7.9% YoY
+0.7% QoQ
|
+$6.4B |
$2.8B
-0.6% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Top 1.8% in tier |
| Total Loans ? |
$6.8B
+7.7% YoY
+1.4% QoQ
|
+$4.8B |
$2.0B
-0.3% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Top 1.7% in tier |
| Total Deposits ? |
$8.1B
+7.8% YoY
-0.0% QoQ
|
+$5.8B |
$2.3B
-0.5% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
Top 0.9% in tier |
| Return on Assets ? |
1.49%
+30.7% YoY
+2.8% QoQ
|
+0.10% |
1.39%
+17.0% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
3.36%
+19.7% YoY
+2.7% QoQ
|
-0.51% |
3.87%
+6.2% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
46.26%
-15.0% YoY
-2.5% QoQ
|
-13.47% |
59.73%
-12.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 14.2% in tier |
| Delinquency Rate ? |
0.07%
-33.1% YoY
-58.3% QoQ
|
-0.80% |
0.87%
+11.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 9.5% in tier |
| Loan-to-Deposit Ratio ? |
83.04%
-0.1% YoY
+1.4% QoQ
|
-1.99% |
85.04%
-0.1% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
19.86%
-6.4% YoY
-9.4% QoQ
|
-1.42% |
21.27%
-1.5% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.14%
-22.1% YoY
-33.4% QoQ
|
-0.53% |
0.67%
+11.7% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.35%
+2.0% YoY
+2.2% QoQ
|
-2.49% |
14.84%
-0.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.25%
+3.8% YoY
+104.5% QoQ
|
-0.28% |
0.53%
+2.5% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.9%
-1.4pp YoY -2.1pp QoQ |
-1.5pp | 21.4% | 17.6% | 22.2% | 50% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.9%
0.0pp YoY +0.1pp QoQ |
-5.1pp | 14.0% | 12.3% | 12.5% | 39% |
| CRE |
52.0%
-0.7pp YoY 0.0pp QoQ |
+2.0pp | 50.0% | 32.3% | 41.4% | 57% |
| 1-4 Family |
13.1%
-0.1pp YoY +0.1pp QoQ |
-13.3pp | 26.4% | 16.9% | 31.3% | 25% |
| Consumer |
0.7%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 4.7% | 3.1% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
+0.2pp YoY +0.3pp QoQ |
-3.2pp | 15.6% | 16.1% | 19.7% | 30% |
| Leverage Ratio |
9.9%
0.0pp YoY -0.1pp QoQ |
-1.4pp | 11.3% | 12.1% | 12.6% | 34% |
| Total Capital Ratio |
13.5%
+0.3pp YoY +0.3pp QoQ |
-3.2pp | 16.7% | 17.3% | 20.8% | 31% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
939
+24 (+2.6%) YoY +21 (+2.3%) QoQ |
+625 | 313 | 98 | 482 | 97% |
| Assets per Employee ($) |
$9.8M
+5.1% YoY -1.6% QoQ |
-$708K | $10.5M | $8.5M | $8.8M | 63% |
| Branch Count |
72
0 YoY 0 QoQ |
+52 | 20 | 7 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 59% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.8% | 1.0% | 3% |
| Allowance Coverage |
16.71x
+47.3% YoY +142.6% QoQ |
-2.00x | 18.71x | 31.69x | 20.23x | 93% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.6%
+2.6pp YoY +0.3pp QoQ |
+3.0pp | 12.6% | 12.3% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.9% | 1.7% | 42% |
| Net Income ($, YTD) |
$67.3M
+40.6% YoY — QoQ |
+$48.1M | $19.2M | $6.1M | $40.4M | 97% |
Get Full Access to Pinnacle Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.