Pinnacle Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.01 percentage points higher than in Q1 2026, at 200.04%. Pinnacle Bank ranks 59th of 109 Tennessee banks on return on assets, in the lower half at 1.05% (Q2 2026). Pinnacle Bank reported 1.05% on return on assets for Q2 2026, 0.16 points below the 1.21% median for banks in the $100B-250B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.73% |
| Tier 1 risk-based capital ratio | 10.73% |
| Total risk-based capital ratio | 11.83% |
| Tier 1 leverage ratio | 8.97% |
| Equity capital to assets | 11.50% |
| Tangible equity to tangible assets | 8.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 4.58% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 200.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 8.92% |
| Net interest margin | 3.44% |
| Efficiency ratio | 52.70% |
| Yield on earning assets | 5.54% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.77% |
| Core deposits to total deposits | 80.40% |
| Brokered deposits to total deposits | 14.07% |
| Deposits to assets | 79.39% |
| Securities to assets | 16.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.21% | 11.21% | 12.05% | 9.67% | 1.20% |
| Q4 2023 | 11.14% | 11.14% | 11.96% | 9.67% | 0.90% |
| Q1 2024 | 11.27% | 11.27% | 12.18% | 9.73% | 1.09% |
| Q2 2024 | 11.52% | 11.52% | 12.47% | 9.72% | 0.53% |
| Q3 2024 | 11.69% | 11.69% | 12.65% | 9.85% | 1.27% |
| Q4 2024 | 11.58% | 11.58% | 12.52% | 9.78% | 1.26% |
| Q1 2025 | 11.48% | 11.48% | 12.45% | 9.73% | 1.14% |
| Q2 2025 | 11.49% | 11.49% | 12.45% | 9.73% | 1.25% |
| Q3 2025 | 11.53% | 11.53% | 12.49% | 9.77% | 1.32% |
| Q4 2025 | 11.13% | 11.13% | 12.09% | 9.39% | 1.31% |
| Q1 2026 | 10.53% | 10.53% | 11.83% | 8.87% | 0.76% |
| Q2 2026 | 10.73% | 10.73% | 11.83% | 8.97% | 1.05% |
Pinnacle Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35583) · FFIEC NIC profile (RSSD 2925666)