BlastPoint's Banking Scorecard
Pinnacle Bank - Wyoming
Cody, WY
15 branches across WY · NE
Pinnacle Bank - Wyoming demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 30.3% in tier
- + Net Interest Margin 0.05% above tier average
- + Efficiency Ratio 13.09% below tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-0.9% YoY
-4.4% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$445.8M
+4.9% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$921.2M
+11.0% YoY
+3.1% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$250.1M
+8.7% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$1.1B
-0.5% YoY
-4.4% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$397.2M
+4.6% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
1.64%
+59.2% YoY
+27.8% QoQ
|
+0.28% |
1.37%
+19.6% YoY
|
1.18%
+46.8% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
3.87%
+24.3% YoY
+10.4% QoQ
|
+0.05% |
3.82%
+6.9% YoY
|
3.82%
+5.9% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
47.97%
-19.3% YoY
-10.3% QoQ
|
-13.09% |
61.06%
-4.6% YoY
|
71.89%
-9.4% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
0.28%
-4.9% YoY
+5.8% QoQ
|
-0.61% |
0.89%
+14.1% YoY
|
0.47%
-19.3% YoY
|
0.95%
+18.8% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
80.37%
+11.6% YoY
+7.8% QoQ
|
-3.84% |
84.20%
+0.3% YoY
|
68.79%
+12.9% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
25.02%
+3.4% YoY
-10.3% QoQ
|
+3.73% |
21.29%
-2.5% YoY
|
24.89%
+11.1% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.25%
-1.1% YoY
-37.5% QoQ
|
-0.43% |
0.67%
+15.6% YoY
|
0.38%
+6.8% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
13.80%
-6.6% YoY
-5.7% QoQ
|
-1.36% |
15.16%
+2.0% YoY
|
19.62%
+12.7% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.09%
+55.7% YoY
-64.6% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.21%
+17.8% YoY
|
0.32%
+4.1% YoY
|
26% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.