Bank Comparison
Lindell Bank & Trust Company vs Pinnacle Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Lindell Bank & Trust Company | Pinnacle Bank |
|---|---|---|
| CET1 Ratio | — | 16.45% |
| Tier 1 Capital Ratio | — | 16.45% |
| Total Capital Ratio | — | 17.71% |
| Tier 1 Leverage Ratio | 17.30% | 11.87% |
| Equity / Assets | 17.17% | 11.41% |
Profitability
| Metric | Lindell Bank & Trust Company | Pinnacle Bank |
|---|---|---|
| Return on Assets (ROA) | 3.05% | 0.58% |
| Return on Equity (ROE) | 17.83% | 4.93% |
| Net Interest Margin (NIM) | 4.19% | 3.73% |
| Yield on Earning Assets | 5.53% | 5.31% |
| Cost of Funds | 1.55% | 1.76% |
Asset quality
| Metric | Lindell Bank & Trust Company | Pinnacle Bank |
|---|---|---|
| Texas Ratio | 1.94% | 18.44% |
| Non-Performing Loan Ratio | 0.21% | 3.82% |
| Non-Performing Asset Ratio | 0.12% | 2.36% |
| Net Charge-Off Ratio | -0.09% | 0.23% |
| ACL / Loans | 2.85% | 2.29% |
Balance sheet
| Metric | Lindell Bank & Trust Company | Pinnacle Bank |
|---|---|---|
| Total Assets | $944,969K | $945,774K |
| Total Deposits | $700,767K | $823,506K |
| Total Loans | $531,226K | $566,888K |
| Total Equity | $162,264K | $107,908K |
| Net Income (quarter) | $7,122K | $1,319K |
Liquidity & funding
| Metric | Lindell Bank & Trust Company | Pinnacle Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.81% | 68.84% |
| Core Deposit Ratio | 93.08% | 93.27% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lindell Bank & Trust Company | Pinnacle Bank |
|---|---|---|
| Headquarters City | SAINT LOUIS | MORGAN HILL |
| Headquarters State | MO | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 15 | 4 |
| Employees (FTE) | 141 | 93 |
| Established | Jan. 1, 1923, midnight | July 17, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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