BlastPoint's Banking Scorecard
Pinnacle Bank, Inc.
Designations: ✓ Community bank
Pikeville, KY
3 branches across KY
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 536 banks in the under $100M peer group nationwide — 1 of 15 in KY.
- Deposits +6.6% year over year ($46.8M on the books).
- Delinquency rate 1.76%.
- Return on assets 0.43%.
- Efficiency ratio 75.62% vs a 119.40% peer average.
- Loan-to-deposit ratio 78.42% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pinnacle Bank, Inc. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio 43.77% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.9M
+4.0% YoY
-0.3% QoQ
|
-$4.5M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$36.7M
+8.0% YoY
-0.9% QoQ
|
+$1.8M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$46.8M
+6.6% YoY
-0.4% QoQ
|
-$4.8M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.43%
-55.6% YoY
+39.4% QoQ
|
-0.57% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
4.26%
-0.1% YoY
+2.4% QoQ
|
+0.35% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
65% |
| Efficiency Ratio ? |
75.62%
+7.7% YoY
+0.8% QoQ
|
-43.77% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
1.76%
+375.6% YoY
-43.2% QoQ
|
+0.28% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
78.42%
+1.3% YoY
-0.5% QoQ
|
+4.21% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
23.77%
+4.7% YoY
-0.8% QoQ
|
+0.28% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
1.53%
+112.1% YoY
-36.8% QoQ
|
+0.70% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
15.67%
-3.0% YoY
+2.0% QoQ
|
-11.45% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
-35.0% YoY
+58.3% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
59% |
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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.8%
+1.1pp YoY -0.2pp QoQ |
-0.9pp | 24.6% | 23.5% | 22.2% | 49% |
| Brokered Deposits |
5.8%
-3.9pp YoY -0.1pp QoQ |
-3.9pp | 9.8% | 5.4% | 8.5% | 47% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.5%
+0.3pp YoY +0.6pp QoQ |
+0.1pp | 13.4% | 8.6% | 12.5% | 63% |
| CRE |
39.1%
-0.1pp YoY -1.9pp QoQ |
+13.9pp | 25.2% | 37.1% | 41.4% | 83% |
| 1-4 Family |
36.3%
-1.3pp YoY +0.5pp QoQ |
+1.3pp | 35.0% | 41.6% | 31.3% | 57% |
| Consumer |
9.5%
+1.8pp YoY +0.7pp QoQ |
+1.9pp | 7.7% | 4.8% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 20.2% | 19.7% | n/a |
| Leverage Ratio |
15.7%
-0.5pp YoY +0.3pp QoQ |
-2.0pp | 17.7% | 14.0% | 12.6% | 73% |
| Total Capital Ratio | n/a | n/a | 39.7% | 21.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
+1 (+5.0%) YoY +2 (+10.5%) QoQ |
+9 | 12 | 105 | 482 | 92% |
| Assets per Employee ($) |
$2.8M
-0.9% YoY -9.8% QoQ |
-$3.4M | $6.2M | $6.3M | $8.8M | 6% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 8 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp QoQ |
-0.9pp | 1.0% | 0.3% | 0.4% | 9% |
| Nonaccrual |
1.7%
+1.4pp YoY -1.1pp QoQ |
0.0pp | 1.7% | 0.8% | 1.0% | 71% |
| Allowance Coverage |
0.69x
-80.0% YoY +97.1% QoQ |
-5.72x | 6.41x | 7.45x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
1.0%
+0.1pp YoY -1.0pp QoQ |
+0.8pp | 0.2% | 0.1% | 0.2% | 95% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.5%
-3.1pp YoY +0.7pp QoQ |
-3.8pp | 6.4% | 13.3% | 11.6% | 22% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.7pp | 1.4% | 1.7% | 1.7% | 86% |
| Net Income ($, YTD) |
$125,000
-53.4% YoY — QoQ |
-$193K | $317,817 | $5.1M | $40.4M | 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.