Pinnacle Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pinnacle Bank of Jasper, AL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.04% | 1.25% | -0.21% | 35th below |
| ROAE | 19.03% | 13.17% | +5.86% | 83rd top |
| Net Interest Margin | 3.26% | 3.95% | -0.69% | 17th bottom |
| Efficiency Ratio | 57.42% | 61.50% | -4.08% | 61st above |
| PPNR / Avg Assets | 1.50% | — | — | 44th below |
| Yield on Earning Assets | 4.50% | 5.67% | -1.17% | 8th bottom |
| Cost of Funds | 1.31% | 1.87% | -0.56% | 79th top |
| Net Interest Spread | 2.69% | — | — | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.93% | -0.91% | 83rd top |
| NPA / Total Assets | 0.01% | — | — | 86th top |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 1.48% | — | — | 77th top |
| ACL / NPLs (Coverage) | 9580.95% | — | — | — |
| Texas Ratio | 0.08% | 6.06% | -5.98% | 86th top |
| Provision / NCO | 96.77% | — | — | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.01% | 17.18% | +2.83% | 77th top |
| Tier 1 Ratio | 20.01% | 17.21% | +2.80% | 77th top |
| Total Capital Ratio | 20.89% | — | — | 76th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.30% | 11.75% | -0.45% | 55th above |
| Equity / Assets | 5.99% | 10.98% | -4.99% | 2nd bottom |
| TCE / Tangible Assets | 5.91% | — | — | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 38.33% | 80.44% | -42.11% | 97th top |
| Core Deposit Ratio | 84.39% | 86.95% | -2.56% | 29th below |
| Wholesale Funding Ratio | 1.29% | — | — | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.87% | — | — | 78th top |
| Loan Growth (Y/Y) | 5.95% | — | — | 53rd above |
| Deposit Growth (Y/Y) | 7.16% | — | — | 71st above |
See Pinnacle Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pinnacle Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pinnacle Bank profile, how to read a UBPR, or how this data updates.