BlastPoint's Banking Scorecard
Pinnacle Bank
Designations: ✓ Minority Depository Institution
Marshalltown, IA
Pinnacle Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.28% below tier average
- + ROA 0.36% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.33% below tier average
- - Delinquency Rate 1.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$313.3M
+3.1% YoY
+2.2% QoQ
|
-$72.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$209.6M
+1.6% YoY
+0.2% QoQ
|
-$46.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$269.0M
+3.7% YoY
+2.1% QoQ
|
-$58.9M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
1.63%
+28.2% YoY
+8.1% QoQ
|
+0.36% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
3.60%
+11.4% YoY
-0.0% QoQ
|
-0.33% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
45.01%
-14.7% YoY
-6.1% QoQ
|
-20.28% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 9.0% in tier |
| Delinquency Rate ? |
2.00%
-11.3% YoY
-3.5% QoQ
|
+1.12% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.5% in tier |
| Loan-to-Deposit Ratio ? |
77.90%
-2.0% YoY
-1.9% QoQ
|
+1.26% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
17.54%
+28.4% YoY
+4.6% QoQ
|
-4.48% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.34%
-14.8% YoY
-5.4% QoQ
|
+0.70% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.7% in tier |
| Tier 1 Capital Ratio ? |
17.97%
+8.7% YoY
+4.6% QoQ
|
+2.14% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.16%
+16.1% YoY
-74.8% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
78% |
Get Full Access to Pinnacle Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.