BlastPoint's Banking Scorecard

Pinnacle Bank

$10B-$250B Specialty: Commercial TN FDIC cert 35583

Nashville, TN

442 branches across GA · FL · TN · SC · NC · AL · VA · KY · MD · TX · CA · IN · MS

135 banks in the $10B-$250B peer group nationally 3 in TN

Pinnacle Bank has 2 strengths but faces 3 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

+ Net Interest Margin 0.94% above tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.9% in tier
- Cost Spiral: Bottom 61.5% in tier
- Margin Compression: Bottom 71.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$122.6B +126.4% YoY +112.8% QoQ	+$75.3B	$47.4B -2.0% YoY	$2.8B +35.7% YoY	$6.2B +9.0% YoY	Top 8.1% in tier
Total Loans ?	$84.5B +135.6% YoY +117.7% QoQ	+$54.9B	$29.6B -0.4% YoY	$2.0B +36.6% YoY	$3.2B +10.7% YoY	Top 7.4% in tier
Total Deposits ?	$101.1B +125.9% YoY +111.1% QoQ	+$62.3B	$38.7B -1.6% YoY	$2.4B +35.2% YoY	$4.8B +8.0% YoY	Top 8.9% in tier
Return on Assets ?	1.02% -9.3% YoY -18.3% QoQ	-0.26%	1.28% +19.3% YoY	1.12% +20.1% YoY	1.24% +13.1% YoY	34%
Net Interest Margin ?	4.71% +50.8% YoY +46.6% QoQ	+0.94%	3.77% +5.6% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	Top 10.4% in tier
Efficiency Ratio ?	65.40% +20.1% YoY +23.2% QoQ	+11.49%	53.90% -4.0% YoY	66.13% -5.5% YoY	66.84% -3.8% YoY	19%
Delinquency Rate ?	0.55% +12.7% YoY +57.5% QoQ	-0.47%	1.02% -4.1% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	83.62% +4.3% YoY +3.1% QoQ	+2.73%	80.88% +2.0% YoY	79.84% +2.1% YoY	76.69% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	20.24% +6.3% YoY +6.9% QoQ	+0.42%	19.82% +0.3% YoY	18.48% -3.8% YoY	22.01% -1.1% YoY	42%
Nonperforming Asset Ratio ?	0.41% +22.9% YoY +62.8% QoQ	-0.32%	0.73% +4.0% YoY	0.56% +16.1% YoY	0.66% +19.3% YoY	62%
Tier 1 Capital Ratio ?	10.53% -8.3% YoY -5.4% QoQ	-5.04%	15.56% -0.1% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Bottom 2.2% in tier
Non-Interest Income / Assets ?	0.20% -0.6% YoY -77.1% QoQ	-0.02%	0.23% +0.9% YoY	0.17% -1.0% YoY	0.32% +4.0% YoY	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#17 of 70 • Bottom 22.9% in tier

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

Why this signature

Delinquency Rate: 0.55%

(Tier: 1.02%, National: 0.95%)

better than tier avg

70 of 70 Large banks match · 1896 nationally

→ Stable +4 banks QoQ

Cost Spiral

risk

#9 of 13 • Bottom 61.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 65.40%

(Tier: 53.90%, National: 66.84%)

worse than tier avg

13 of 13 Large banks match · 175 nationally

↑ Growing +81 banks QoQ

Margin Compression

decline

#11 of 14 • Bottom 71.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.02%

(Tier: 1.28%, National: 1.24%)

worse than tier avg

14 of 14 Large banks match · 406 nationally

↑ Growing +93 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 135 peers in $10B-$250B

Top Strengths (4 metrics)

Total Loans

size

Value: $84.51B

Peer Median: $29.62B

#11 of 135 Top 7.4% in $10B-$250B

Total Assets

size

Value: $122.63B

Peer Median: $47.36B

#12 of 135 Top 8.1% in $10B-$250B

Total Deposits

size

Value: $101.06B

Peer Median: $38.75B

#13 of 135 Top 8.9% in $10B-$250B

Net Interest Margin

profitability

Value: 4.71%

Peer Median: 3.77%

#15 of 135 Top 10.4% in $10B-$250B

Top Weaknesses (2 metrics)

133

Tier 1 Capital Ratio

capital

Value: 10.53%

Peer Median: 15.56%

#133 of 135 Bottom 2.2% in $10B-$250B

110

Efficiency Ratio

profitability

Value: 65.40%

Peer Median: 53.90%

#110 of 135 Bottom 19.3% in $10B-$250B