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 Nashville, TN against its peer group of 14 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 | 1.05% | 1.58% | -0.53% | 23rd bottom |
| ROAE | 8.92% | 16.70% | -7.78% | 8th bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.44% | 4.23% | -0.79% | 54th above |
| Efficiency Ratio | 52.70% | 54.81% | -2.11% | 62nd above |
| PPNR / Avg Assets | 1.69% | 2.73% | -1.04% | 38th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.54% | 6.46% | -0.92% | 62nd above |
| Cost of Funds | 2.23% | 2.37% | -0.14% | 54th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 2.84% | 3.70% | -0.86% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.54% | 1.44% | -0.90% | 85th top |
| NPA / Total Assets | 0.39% | 0.90% | -0.51% | 85th top |
| NCO / Avg Loans | 0.22% | 1.03% | -0.81% | 85th top |
| ACL / Total Loans | 1.08% | 2.38% | -1.30% | 31st below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 200.04% | 201.72% | -1.68% | 85th top |
| Texas Ratio | 4.58% | 9.90% | -5.32% | 85th top |
| Provision / NCO | 137.60% | 124.56% | +13.04% | 91st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.73% | 14.72% | -3.99% | 0th bottom |
| Tier 1 Ratio | 10.73% | 14.87% | -4.14% | 0th bottom |
| Total Capital Ratio | 11.83% | 16.47% | -4.64% | 0th bottom |
| Leverage Ratio | 8.97% | 9.69% | -0.72% | 23rd bottom |
| Equity / Assets | 11.50% | 9.84% | +1.66% | 77th top |
| TCE / Tangible Assets | 8.29% | 8.71% | -0.42% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.77% | 75.14% | +11.63% | 31st below |
| Core Deposit Ratio | 80.40% | 84.53% | -4.13% | 23rd bottom |
| Uninsured Deposit Ratio | 49.54% | 33.62% | +15.92% | 15th bottom |
| Wholesale Funding Ratio | 7.46% | 6.18% | +1.28% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 135.49% | 3.17% | +132.32% | 100th top |
| Loan Growth (Y/Y) | 137.76% | 5.36% | +132.40% | 100th top |
| Deposit Growth (Y/Y) | 125.94% | 3.86% | +122.08% | 100th top |
See Pinnacle Bank's peers by name
The 14 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.