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Pinnacle Bank - Wyoming

$1B-$10B Specialty: Commercial WY FDIC cert 2232

Cody, WY

15 branches across WY · NE

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 3 in WY.
  • Deposits +1.7% year over year ($1.2B on the books).
  • Delinquency rate 0.27%.
  • Return on assets 1.67%.
  • Efficiency ratio 47.17% vs a 59.73% peer average.
  • Loan-to-deposit ratio 79.24% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 3 in WY
View $1B-$10B leaderboard (WY) →

Pinnacle Bank - Wyoming has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 33.3% in tier
  • + Net Interest Margin 0.12% above tier average
  • + Efficiency Ratio 12.55% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.3% in tier
  • - Credit Risk Growth: Bottom 21.6% in tier
Get updates when Pinnacle Bank - Wyoming releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Total Assets ? $1.3B
+1.9% YoY +1.9% QoQ
-$1.5B $2.8B
-0.6% YoY
$450.2M
+6.6% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $922.3M
+6.2% YoY +0.1% QoQ
-$1.0B $2.0B
-0.3% YoY
$256.9M
+8.1% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $1.2B
+1.7% YoY +1.6% QoQ
-$1.2B $2.3B
-0.5% YoY
$395.8M
+5.2% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 1.67%
+45.3% YoY +1.7% QoQ
+0.28% 1.39%
+17.0% YoY
1.35%
+50.4% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 3.99%
+21.4% YoY +3.1% QoQ
+0.12% 3.87%
+6.2% YoY
3.97%
+6.9% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 47.17%
-17.5% YoY -1.7% QoQ
-12.55% 59.73%
-12.6% YoY
70.09%
-6.6% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.27%
+3.7% YoY -3.7% QoQ
-0.60% 0.87%
+11.7% YoY
0.54%
-5.2% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 79.24%
+4.4% YoY -1.4% QoQ
-5.80% 85.04%
-0.1% YoY
246.53%
+252.1% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 25.60%
+3.9% YoY +2.3% QoQ
+4.33% 21.27%
-1.5% YoY
24.71%
-0.8% YoY
21.98%
-0.6% YoY
73%
Nonperforming Asset Ratio ? 0.24%
-1.0% YoY -4.7% QoQ
-0.44% 0.67%
+11.7% YoY
0.41%
+17.6% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 14.39%
-2.7% YoY +4.3% QoQ
-0.46% 14.84%
-0.4% YoY
20.04%
+15.3% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.15%
+23.6% YoY +72.2% QoQ
-0.37% 0.53%
+2.5% YoY
0.52%
+37.3% YoY
0.66%
+5.2% YoY
20%

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 (WY) National Avg Tier Percentile
Noninterest-Bearing 25.6%
+1.0pp YoY
+0.6pp QoQ
 +4.2pp 21.4% 24.7% 22.2% 72%
Brokered Deposits n/a n/a 9.5% 12.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
C&I 7.7%
-0.1pp YoY
+0.1pp QoQ
 -6.3pp 14.0% 16.1% 12.5% 31%
CRE 48.4%
+3.5pp YoY
+1.0pp QoQ
 -1.6pp 50.0% 45.3% 41.4% 45%
1-4 Family 20.6%
-1.3pp YoY
-0.4pp QoQ
 -5.8pp 26.4% 25.2% 31.3% 43%
Consumer 0.8%
-0.2pp YoY
0.0pp QoQ
 -3.9pp 4.7% 4.1% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
CET1 Ratio 14.4%
-0.4pp YoY
+0.6pp QoQ
 -1.2pp 15.6% 25.5% 19.7% 64%
Leverage Ratio 10.7%
+0.2pp YoY
+0.4pp QoQ
 -0.6pp 11.3% 11.6% 12.6% 54%
Total Capital Ratio 15.6%
-0.4pp YoY
+0.6pp QoQ
 -1.1pp 16.7% 26.6% 20.8% 65%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Full-Time Employees 148
-8 (-5.1%) YoY
+3 (+2.1%) QoQ
 -166 313 57 482 21%
Assets per Employee ($) $8.8M
+7.5% YoY
-0.2% QoQ
 -$1.7M $10.5M $8.7M $8.8M 51%
Branch Count 15
0 YoY
0 QoQ
 -5 20 4 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 62%
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.6% 1.0% 23%
Allowance Coverage 4.76x
-0.1% YoY
+6.6% QoQ
 -13.95x 18.71x 18.30x 20.23x 77%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
ROE 17.5%
+4.1pp YoY
+0.1pp QoQ
 +4.9pp 12.6% 9.7% 11.6% 85%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
0.0pp QoQ
 -0.6pp 1.9% 1.6% 1.7% 13%
Net Income ($, YTD) $10.9M
+46.7% YoY
— QoQ
 -$8.4M $19.2M $3.2M $40.4M 43%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#75 of 222 • Top 33.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.67%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#47 of 492 • Bottom 9.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#88 of 402 • Bottom 21.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

144
Efficiency Ratio
profitability
Value: 47.17%
Peer Median: 59.73%
#144 of 885 Top 16.2% in $1B-$10B
202
Return on Assets
profitability
Value: 1.67%
Peer Median: 1.39%
#202 of 885 Top 22.7% in $1B-$10B

Top Weaknesses (2 metrics)

713
Non-Interest Income / Assets
revenue_mix
Value: 0.15%
Peer Median: 0.53%
#713 of 885 Bottom 19.5% in $1B-$10B
688
Total Assets
size
Value: $1.30B
Peer Median: $2.79B
#688 of 885 Bottom 22.4% in $1B-$10B
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