Bank Comparison
Pinnacle Bank vs Wells Fargo Bank South Central, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Pinnacle Bank | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| CET1 Ratio | 13.63% | 75.99% |
| Tier 1 Capital Ratio | 13.63% | 75.99% |
| Total Capital Ratio | 14.75% | 76.31% |
| Tier 1 Leverage Ratio | 10.58% | 28.01% |
| Equity / Assets | 12.84% | 28.51% |
Profitability
| Metric | Pinnacle Bank | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 1.70% |
| Return on Equity (ROE) | 10.57% | 6.11% |
| Net Interest Margin (NIM) | 3.67% | 2.34% |
| Yield on Earning Assets | 5.35% | 3.75% |
| Cost of Funds | 1.82% | 2.08% |
Asset quality
| Metric | Pinnacle Bank | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Texas Ratio | 12.56% | 2.82% |
| Non-Performing Loan Ratio | 0.06% | 1.18% |
| Non-Performing Asset Ratio | 1.25% | 0.79% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.17% | 0.14% |
Balance sheet
| Metric | Pinnacle Bank | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Total Assets | $2,712M | $2,700M |
| Total Deposits | $2,345M | $1,786M |
| Total Loans | $1,887M | $1,779M |
| Total Equity | $348,134K | $769,960K |
| Net Income (quarter) | $9,311K | $11,667K |
Liquidity & funding
| Metric | Pinnacle Bank | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 80.48% | 99.65% |
| Core Deposit Ratio | 94.86% | 100.00% |
| Uninsured Deposit Ratio | 30.24% | 0.44% |
Identity
| Metric | Pinnacle Bank | Wells Fargo Bank South Central, N.A. |
|---|---|---|
| Headquarters City | FORT WORTH | HOUSTON |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 11668 |
| Regulator | FDIC | OCC |
| Domestic Branches | 28 | 1 |
| Employees (FTE) | 266 | 0 |
| Established | Aug. 10, 1970, midnight | June 18, 1894, 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.
View full Pinnacle Bank profile | View full Wells Fargo Bank South Central, N.A. profile | Browse all bank comparisons