Bank Comparison
Usaa Federal Savings Bank vs Pinnacle Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Usaa Federal Savings Bank | Pinnacle Bank |
|---|---|---|
| CET1 Ratio | 16.69% | 10.53% |
| Tier 1 Capital Ratio | 17.18% | 10.53% |
| Total Capital Ratio | 18.46% | 11.83% |
| Tier 1 Leverage Ratio | 9.08% | 8.87% |
| Equity / Assets | 5.08% | 11.81% |
Profitability
| Metric | Usaa Federal Savings Bank | Pinnacle Bank |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 0.76% |
| Return on Equity (ROE) | 16.55% | 8.63% |
| Net Interest Margin (NIM) | 4.99% | 3.47% |
| Yield on Earning Assets | 5.44% | 5.53% |
| Cost of Funds | 0.46% | 2.91% |
Asset quality
| Metric | Usaa Federal Savings Bank | Pinnacle Bank |
|---|---|---|
| Texas Ratio | 7.15% | 4.84% |
| Non-Performing Loan Ratio | 1.21% | 0.57% |
| Non-Performing Asset Ratio | 0.49% | 0.42% |
| Net Charge-Off Ratio | 2.20% | 0.23% |
| ACL / Loans | 4.28% | 1.10% |
Balance sheet
| Metric | Usaa Federal Savings Bank | Pinnacle Bank |
|---|---|---|
| Total Assets | $109,670M | $122,628M |
| Total Deposits | $94,938M | $101,064M |
| Total Loans | $44,277M | $85,447M |
| Total Equity | $5,571M | $14,486M |
| Net Income (quarter) | $224,000K | $230,906K |
Liquidity & funding
| Metric | Usaa Federal Savings Bank | Pinnacle Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 46.64% | 84.55% |
| Core Deposit Ratio | 99.08% | 94.34% |
| Uninsured Deposit Ratio | 5.38% | 48.53% |
Identity
| Metric | Usaa Federal Savings Bank | Pinnacle Bank |
|---|---|---|
| Headquarters City | PHOENIX | NASHVILLE |
| Headquarters State | AZ | TN |
| Asset Tier | National | National |
| Charter Class | 707975 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 442 |
| Employees (FTE) | 12,599 | 8,217 |
| Established | Dec. 30, 1983, 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.
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