BlastPoint's Banking Scorecard

Pinnacle Bank, Inc.

under $100M Specialty: Commercial KY FDIC cert 22355

Designations: ✓ Community bank

Pikeville, KY

3 branches across KY

541 banks in the under $100M peer group nationally 14 in KY

Pinnacle Bank, Inc. has 2 strengths but faces 3 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

+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 13.34% below tier average

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 1.64% above tier average
- ROA 0.53% below tier average
- Delinquency Rate 1.73% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$58.0M +4.4% YoY -1.7% QoQ	-$4.1M	$62.2M -0.6% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$37.1M +18.1% YoY +0.6% QoQ	+$2.8M	$34.2M -1.4% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$47.0M +6.7% YoY -2.0% QoQ	-$4.7M	$51.7M -0.7% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	0.31% -58.9% YoY -64.8% QoQ	-0.53%	0.84% -2.3% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	4.16% +3.1% YoY -3.3% QoQ	+0.30%	3.86% +2.8% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	75.00% -1.2% YoY +5.8% QoQ	-13.34%	88.34% +0.3% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	3.10% +131.1% YoY +26.4% QoQ	+1.73%	1.37% +33.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Bottom 12.5% in tier
Loan-to-Deposit Ratio ?	78.85% +10.7% YoY +2.7% QoQ	+14.64%	64.22% -0.7% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	23.96% -7.9% YoY -6.5% QoQ	+0.24%	23.71% +0.3% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	2.43% +127.1% YoY +23.3% QoQ	+1.64%	0.79% +28.2% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Bottom 7.9% in tier
Tier 1 Capital Ratio ?	15.37% -4.7% YoY -3.3% QoQ	-11.31%	26.68% +2.0% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.10% +21.3% YoY -76.1% QoQ	-0.57%	0.67% +1.9% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	70%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

499

Nonperforming Asset Ratio

credit_quality

Value: 2.43%

Peer Median: 0.79%

#499 of 541 Bottom 7.9% in under $100M

457

Delinquency Rate

credit_quality

Value: 3.10%

Peer Median: 1.37%

#457 of 521 Bottom 12.5% in under $100M

416

Return on Assets

profitability

Value: 0.31%

Peer Median: 0.84%

#416 of 541 Bottom 23.3% in under $100M