BlastPoint's Banking Scorecard
Pinnacle Bank
Jasper, AL
7 branches across AL
Pinnacle Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5.9% in tier
- + Efficiency Ratio 4.07% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.5% in tier
- - ROA 0.08% below tier average
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$386.1M
+7.5% YoY
+6.2% QoQ
|
+$6K |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$134.0M
-1.1% YoY
+2.4% QoQ
|
-$121.7M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$357.4M
+6.0% YoY
+6.8% QoQ
|
+$29.4M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.18%
-0.3% YoY
-2.1% QoQ
|
-0.08% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
3.57%
-2.3% YoY
-1.9% QoQ
|
-0.36% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
61.22%
+0.4% YoY
+0.4% QoQ
|
-4.07% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
0.04%
+161.9% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
37.48%
-6.7% YoY
-4.1% QoQ
|
-39.16% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 3.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.19%
-2.3% YoY
+1.0% QoQ
|
+6.17% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.02%
+152.5% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
19.46%
+3.2% YoY
-2.1% QoQ
|
+3.63% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
Top 14.7% in tier |
| Non-Interest Income / Assets ? |
0.14%
-0.7% YoY
-75.9% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
70% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.