BlastPoint's Banking Scorecard

Pinnacle Bank

$100M-$1B Specialty: Other AL FDIC cert 29548

Jasper, AL

7 branches across AL

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 63 in AL.
Deposits +7.2% year over year ($355.0M on the books).
Delinquency rate 0.02%.
Return on assets 1.15%.
Efficiency ratio 59.58% vs a 64.48% peer average.
Loan-to-deposit ratio 37.77% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL

View $100M-$1B leaderboard (AL) →

Pinnacle Bank has 2 strengths but faces 4 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

+ Credit Quality Leader: Top 15.3% in tier
+ Efficiency Ratio 4.89% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.3% in tier
- Credit Risk Growth: Bottom 19.0% in tier
- ROA 0.18% below tier average
- Net Interest Margin 0.43% below tier average

Get updates when Pinnacle Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$384.5M +8.9% YoY -0.4% QoQ	-$2.0M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	59%
Total Loans ?	$134.1M +6.3% YoY +0.1% QoQ	-$124.3M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$355.0M +7.2% YoY -0.7% QoQ	+$28.2M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	1.15% -1.9% YoY -3.2% QoQ	-0.18%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.55% -1.9% YoY -0.4% QoQ	-0.43%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	59.58% -3.1% YoY -2.7% QoQ	-4.89%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	0.02% -64.4% QoQ	-0.90%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	85%
Loan-to-Deposit Ratio ?	37.77% -0.8% YoY +0.8% QoQ	-40.19%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	Top 3.4% in tier
Non-Interest-Bearing Deposit Share ?	28.51% +0.5% YoY +1.1% QoQ	+6.48%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	77%
Nonperforming Asset Ratio ?	0.01% -64.3% QoQ	-0.66%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	Top 12.6% in tier
Tier 1 Capital Ratio ?	20.01% +0.2% YoY +2.8% QoQ	+4.10%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	Top 13.7% in tier
Non-Interest Income / Assets ?	0.29% -1.7% YoY +104.9% QoQ	-0.28%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	70%

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 (AL)	National Avg	Tier Percentile
Noninterest-Bearing	28.5% +0.1pp YoY +0.3pp QoQ	+6.4pp	22.1%	24.0%	22.2%	77%
Brokered Deposits	6.8% +2.2pp YoY -1.6pp QoQ	-1.1pp	7.9%	5.5%	8.5%	62%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	22.5% -6.1pp YoY -2.6pp QoQ	+11.0pp	11.6%	16.9%	12.5%	91%
CRE	44.1% +5.6pp YoY +2.4pp QoQ	+4.6pp	39.5%	43.5%	41.4%	60%
1-4 Family	22.7% -1.7pp YoY -0.1pp QoQ	-9.9pp	32.6%	30.6%	31.3%	36%
Consumer	3.5% -1.4pp YoY -0.2pp QoQ	-0.6pp	4.1%	5.7%	5.0%	65%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	20.0% 0.0pp YoY +0.6pp QoQ	+1.2pp	18.8%	15.1%	19.7%	78%
Leverage Ratio	11.3% +0.2pp YoY -0.1pp QoQ	-0.9pp	12.2%	13.2%	12.6%	55%
Total Capital Ratio	20.9% -0.1pp YoY +0.6pp QoQ	+1.0pp	19.9%	16.2%	20.8%	77%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	46 -6 (-11.5%) YoY -3 (-6.1%) QoQ	-13	58	304	482	48%
Assets per Employee ($)	$8.4M +23.1% YoY +6.1% QoQ	+$841K	$7.5M	$6.9M	$8.8M	72%
Branch Count	7 0 YoY 0 QoQ	+2	4	20	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.0% 0.0pp QoQ	-0.9pp	0.9%	1.2%	1.0%	4%
Allowance Coverage	95.81x +183.9% QoQ	+71.66x	24.15x	7.50x	20.23x	96%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.3%	0.2%	66%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	19.6% -7.6pp YoY -0.9pp QoQ	+7.4pp	12.2%	10.0%	11.6%	87%
Cost of Funds (YTD)	1.3% 0.0pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.7%	1.7%	25%
Net Income ($, YTD)	$2.2M +5.2% YoY — QoQ	-$388K	$2.6M	$17.2M	$40.4M	56%

Get Full Access to Pinnacle Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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 (1)

Credit Quality Leader

growth

#102 of 659 • Top 15.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#43 of 1256 • Bottom 3.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#179 of 936 • Bottom 19.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 37.77%

Peer Median: 77.95%

#92 of 2643 Top 3.4% in $100M-$1B

334

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#334 of 2643 Top 12.6% in $100M-$1B

363

Tier 1 Capital Ratio

capital

Value: 20.01%

Peer Median: 15.91%

#363 of 2643 Top 13.7% in $100M-$1B

403

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#403 of 2633 Top 15.3% in $100M-$1B

596

Non-Interest-Bearing Deposit Share

funding

Value: 28.51%

Peer Median: 22.03%

#596 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available