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 Marshalltown, IA 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 | 1.81% | 1.25% | +0.56% | 78th top |
| ROAE | 14.05% | 12.22% | +1.83% | 60th above |
| Net Interest Margin | 3.93% | 3.95% | -0.02% | 49th below |
| Efficiency Ratio | 41.20% | 63.71% | -22.51% | 95th top |
| PPNR / Avg Assets | 2.50% | — | — | 89th top |
| Yield on Earning Assets | 5.53% | 5.67% | -0.14% | 46th below |
| Cost of Funds | 1.74% | 1.87% | -0.13% | 54th above |
| Net Interest Spread | 3.45% | — | — | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.75% | 0.88% | -0.13% | 35th below |
| NPA / Total Assets | 1.42% | — | — | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.15% | -0.07% | 20th bottom |
| ACL / Total Loans | 1.03% | — | — | 29th below |
| ACL / NPLs (Coverage) | 137.16% | — | — | 37th below |
| Texas Ratio | 11.63% | 5.96% | +5.67% | 14th bottom |
| Provision / NCO | 235.56% | — | — | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.22% | 17.18% | +1.04% | 70th above |
| Tier 1 Ratio | 18.22% | 17.21% | +1.01% | 70th above |
| Total Capital Ratio | 19.17% | — | — | 69th above |
| Leverage Ratio | 14.66% | 11.75% | +2.91% | 85th top |
| Equity / Assets | 13.07% | 10.98% | +2.09% | 79th top |
| TCE / Tangible Assets | 11.70% | — | — | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.32% | 80.44% | -2.12% | 55th above |
| Core Deposit Ratio | 70.95% | 86.95% | -16.00% | 6th bottom |
| Wholesale Funding Ratio | 3.66% | — | — | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.59% | — | — | 77th top |
| Loan Growth (Y/Y) | 0.21% | — | — | 23rd bottom |
| Deposit Growth (Y/Y) | 3.73% | — | — | 47th below |
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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Pinnacle Bank peer analysis.