Bank Comparison
Santander Bank, N.A. vs Pinnacle Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Santander Bank, N.A. | Pinnacle Bank |
|---|---|---|
| CET1 Ratio | 19.72% | 10.53% |
| Tier 1 Capital Ratio | 19.72% | 10.53% |
| Total Capital Ratio | 20.99% | 11.83% |
| Tier 1 Leverage Ratio | 12.33% | 8.87% |
| Equity / Assets | 12.83% | 11.81% |
Profitability
| Metric | Santander Bank, N.A. | Pinnacle Bank |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 0.76% |
| Return on Equity (ROE) | 7.57% | 8.63% |
| Net Interest Margin (NIM) | 2.89% | 3.47% |
| Yield on Earning Assets | 5.03% | 5.53% |
| Cost of Funds | 2.26% | 2.91% |
Asset quality
| Metric | Santander Bank, N.A. | Pinnacle Bank |
|---|---|---|
| Texas Ratio | 20.10% | 4.84% |
| Non-Performing Loan Ratio | 4.70% | 0.57% |
| Non-Performing Asset Ratio | 2.55% | 0.42% |
| Net Charge-Off Ratio | 0.75% | 0.23% |
| ACL / Loans | 2.57% | 1.10% |
Balance sheet
| Metric | Santander Bank, N.A. | Pinnacle Bank |
|---|---|---|
| Total Assets | $106,094M | $122,628M |
| Total Deposits | $85,645M | $101,064M |
| Total Loans | $56,738M | $85,447M |
| Total Equity | $13,611M | $14,486M |
| Net Income (quarter) | $262,968K | $230,906K |
Liquidity & funding
| Metric | Santander Bank, N.A. | Pinnacle Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.25% | 84.55% |
| Core Deposit Ratio | 89.54% | 94.34% |
| Uninsured Deposit Ratio | 32.26% | 48.53% |
Identity
| Metric | Santander Bank, N.A. | Pinnacle Bank |
|---|---|---|
| Headquarters City | WILMINGTON | NASHVILLE |
| Headquarters State | DE | TN |
| Asset Tier | National | National |
| Charter Class | 25022 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 373 | 442 |
| Employees (FTE) | 5,787 | 8,217 |
| Established | Jan. 1, 1907, midnight | Oct. 27, 2000, 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 Santander Bank, N.A. profile | View full Pinnacle Bank profile | Browse all bank comparisons