BlastPoint's Banking Scorecard
Pinnacle Bank
Fort Worth, TX
28 branches across TX
Pinnacle Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 29.5% in tier
- + Efficiency Ratio 11.26% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.8% in tier
- - Credit Risk Growth: Bottom 30.7% in tier
- - Flatlined Growth: Bottom 42.0% in tier
- - Deposit Outflow: Bottom 45.4% in tier
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
-1.2% YoY
-0.6% QoQ
|
-$103.5M |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$1.9B
+7.4% YoY
+1.4% QoQ
|
-$99.3M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$2.3B
-2.6% YoY
-0.3% QoQ
|
+$1.9M |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.37%
+40.7% YoY
+20.2% QoQ
|
+0.00% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
3.71%
+20.0% YoY
+8.0% QoQ
|
-0.10% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
49.80%
-8.1% YoY
-5.5% QoQ
|
-11.26% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
0.07%
+169.3% YoY
-52.3% QoQ
|
-0.82% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 9.1% in tier |
| Loan-to-Deposit Ratio ? |
79.54%
+10.3% YoY
+1.8% QoQ
|
-4.66% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
27.61%
+0.0% YoY
+2.7% QoQ
|
+6.32% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.26%
+18.9% YoY
-2.0% QoQ
|
+0.59% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.3% in tier |
| Tier 1 Capital Ratio ? |
13.63%
-2.8% YoY
-3.2% QoQ
|
-1.53% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.08%
-7.6% YoY
-76.5% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
23% |
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.