Bank Comparison
Pinnacle Bank vs UBS Bank USA, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Pinnacle Bank | UBS Bank USA, N.A. |
|---|---|---|
| CET1 Ratio | 10.53% | 26.46% |
| Tier 1 Capital Ratio | 10.53% | 26.46% |
| Total Capital Ratio | 11.83% | 26.79% |
| Tier 1 Leverage Ratio | 8.87% | 8.06% |
| Equity / Assets | 11.81% | 7.39% |
Profitability
| Metric | Pinnacle Bank | UBS Bank USA, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.76% | 1.06% |
| Return on Equity (ROE) | 8.63% | 13.44% |
| Net Interest Margin (NIM) | 3.47% | 1.98% |
| Yield on Earning Assets | 5.53% | 4.60% |
| Cost of Funds | 2.91% | 2.80% |
Asset quality
| Metric | Pinnacle Bank | UBS Bank USA, N.A. |
|---|---|---|
| Texas Ratio | 4.84% | 1.24% |
| Non-Performing Loan Ratio | 0.57% | 0.13% |
| Non-Performing Asset Ratio | 0.42% | 0.09% |
| Net Charge-Off Ratio | 0.23% | 0.00% |
| ACL / Loans | 1.10% | 0.13% |
Balance sheet
| Metric | Pinnacle Bank | UBS Bank USA, N.A. |
|---|---|---|
| Total Assets | $122,628M | $122,261M |
| Total Deposits | $101,064M | $108,163M |
| Total Loans | $85,447M | $89,990M |
| Total Equity | $14,486M | $9,037M |
| Net Income (quarter) | $230,906K | $315,418K |
Liquidity & funding
| Metric | Pinnacle Bank | UBS Bank USA, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 84.55% | 83.20% |
| Core Deposit Ratio | 94.34% | 100.00% |
| Uninsured Deposit Ratio | 48.53% | 33.76% |
Identity
| Metric | Pinnacle Bank | UBS Bank USA, N.A. |
|---|---|---|
| Headquarters City | NASHVILLE | SALT LAKE CITY |
| Headquarters State | TN | UT |
| Asset Tier | National | National |
| Charter Class | 0 | 25396 |
| Regulator | FED | OCC |
| Domestic Branches | 442 | 1 |
| Employees (FTE) | 8,217 | 659 |
| Established | Oct. 27, 2000, midnight | Sept. 15, 2003, 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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