BlastPoint's Banking Scorecard
Pinnacle Bank
Designations: ✓ Minority Depository Institution
Marshalltown, IA
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +3.7% year over year ($268.2M on the books).
- Delinquency rate 0.76%.
- Return on assets 1.72%.
- Efficiency ratio 43.40% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pinnacle Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.07% below tier average
- + ROA 0.40% above tier average
- + Delinquency Rate 0.16% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$324.4M
+8.6% YoY
+3.6% QoQ
|
-$62.1M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$207.9M
+0.2% YoY
-0.8% QoQ
|
-$50.4M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$268.2M
+3.7% YoY
-0.3% QoQ
|
-$58.5M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
1.72%
+27.0% YoY
+5.6% QoQ
|
+0.40% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
3.78%
+11.9% YoY
+5.0% QoQ
|
-0.21% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
43.40%
-15.3% YoY
-3.6% QoQ
|
-21.07% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 7.0% in tier |
| Delinquency Rate ? |
0.76%
-65.4% YoY
-62.1% QoQ
|
-0.16% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
77.52%
-3.4% YoY
-0.5% QoQ
|
-0.44% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
16.29%
-5.6% YoY
-7.2% QoQ
|
-5.74% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.42%
-6.8% YoY
+5.8% QoQ
|
+0.75% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.0% in tier |
| Tier 1 Capital Ratio ? |
18.22%
+7.3% YoY
+1.4% QoQ
|
+2.31% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.34%
+8.8% YoY
+107.5% QoQ
|
-0.23% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
78% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.3%
-1.0pp YoY -1.3pp QoQ |
-5.9pp | 22.1% | 17.8% | 22.2% | 28% |
| Brokered Deposits |
15.9%
-2.7pp YoY +0.8pp QoQ |
+8.1pp | 7.9% | 6.0% | 8.5% | 86% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.6%
-4.1pp YoY -0.4pp QoQ |
+1.0pp | 11.6% | 12.8% | 12.5% | 66% |
| CRE |
71.9%
+1.1pp YoY +0.3pp QoQ |
+32.4pp | 39.5% | 28.3% | 41.4% | 94% |
| 1-4 Family |
12.5%
+3.3pp YoY +0.1pp QoQ |
-20.1pp | 32.6% | 23.0% | 31.3% | 15% |
| Consumer |
1.7%
-0.2pp YoY +0.1pp QoQ |
-2.4pp | 4.1% | 2.9% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.2%
+1.2pp YoY +0.2pp QoQ |
-0.6pp | 18.8% | 15.4% | 19.7% | 70% |
| Leverage Ratio |
14.7%
+0.3pp YoY 0.0pp QoQ |
+2.5pp | 12.2% | 12.4% | 12.6% | 85% |
| Total Capital Ratio |
19.2%
+1.3pp YoY +0.3pp QoQ |
-0.8pp | 19.9% | 16.5% | 20.8% | 69% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
-1 (-3.4%) YoY +1 (+3.7%) QoQ |
-31 | 58 | 64 | 482 | 24% |
| Assets per Employee ($) |
$11.6M
+12.5% YoY -0.1% QoQ |
+$4.1M | $7.5M | $8.9M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.8%
-1.4pp YoY -1.2pp QoQ |
-0.2pp | 0.9% | 1.0% | 1.0% | 65% |
| Allowance Coverage |
1.37x
+189.5% YoY +173.9% QoQ |
-22.78x | 24.15x | 18.97x | 20.23x | 37% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.1pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+2.1pp YoY +0.6pp QoQ |
+1.1pp | 12.2% | 12.8% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.7%
-0.4pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 49% |
| Net Income ($, YTD) |
$2.7M
+34.2% YoY — QoQ |
+$159K | $2.6M | $4.0M | $40.4M | 65% |
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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.