Pinnacle Bank (Fort Worth, TX)
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Data as of · sourced from FFIEC call reports. How we update
Pinnacle Bank is an FDIC-insured commercial bank headquartered in Fort Worth, TX, established in 1970 (FDIC certificate 20231), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.72B, up 1.2% from Q2 2025, the 39th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.07% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20231
- Headquarters
- Fort Worth, TX
- Established
- 1970
- Total assets, Q2 2026
- $2.72B
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 14.07%
- Domestic offices
- 28 FDIC institution directory, current count
- Routing number
- 111903517
- Latest call report
- Q2 2026, FFIEC 041 · Pinnacle Bank call report
- Holding company
- PINNACLE BANCORP, INC.
- Asset rank in state
- 39th of 346 in Texas
Pinnacle Bank leans heavily on commercial real estate. It reported $2.7 billion in assets at June 30, 2026, up 1.2% from a year earlier. It holds commercial real estate loans worth 3.5 times its capital, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 2.2 times). It also carries problem assets equal to 12.5% of the capital and reserves that would absorb them, 3.5 times the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $9.9 million, 31% above the same quarter a year earlier. Over the same year, loans grew 5.4% and deposits grew 0.2%.
As of June 30, 2026, Pinnacle Bank reported a CET1 capital ratio of 14.07%, a return on assets of 1.44%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 12.49%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pinnacle Bank is the 39th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $2.72B, loans rose 1.3% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 28.4% of total loans, ahead of construction and land development loans at 21.7%. Its 28 offices in the FDIC Summary of Deposits are in 19 cities in TX; its Fort Worth 6 offices book 22% of its branch deposits. Judged on its Q2 2026 call report, Pinnacle Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 250 W Lancaster Ave, Fort Worth, TX 76102
- County
- Tarrant
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 10, 1970
- Former names
- First State Bank Texas (2004-2008)
- Domestic offices
- 28 FDIC institution directory, current count
- Employees (FTE)
- 274
- Domestic deposits
- $2.34B
- Allowance for credit losses
- $22.2M
- Net charge-offs (YTD)
- $84K
- Average total assets
- $2.74B
- Average total loans
- $1.89B
- Average interest-bearing deposits
- $1.69B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 10, 1970
- FDIC Cert
- 20231
- Fed RSSD
- 867650
- SEC CIK
- 1703383 → filed by PINNACLE BANCORP, INC.
- Website
- www.pinnbanktx.com →
- Parent Holding Company
- PINNACLE BANCORP, INC. (RSSD 1053272)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Pinnacle Bank's total assets moved between a low of $2.59B (Q3 2023) and a high of $2.80B (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.72B total assets against $2.69B; $2.36B total liabilities against $2.35B.
$1.89B net loans and leases against $1.79B; $2.34B total deposits against $2.34B.
$506.2M securities against $639.3M; $140.1M cash and balances due against $69.6M.
$34.9M total interest income against $32.6M; $10.6M total interest expense against $11.8M.
$24.3M net interest income against $20.8M.
$2.3M total noninterest income against $2.2M; $13.8M total noninterest expense against $13.0M.
$119K provision for credit losses against $480K.
$9.9M net income against $7.5M.
1.44% return on assets against 1.11%; 3.80% net interest margin against 3.28%.
14.07% CET1 capital ratio against 13.86%; 10.93% tier 1 leverage ratio against 10.23%.
Inside the full Pinnacle Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Pinnacle Bank rankings
Its closest position to the top of a national ranking is 464 of 4,196, for total assets; its furthest is 561 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.24% (Q3 2024) to 1.44% (Q2 2026) and its net interest margin ran from 2.28% (Q3 2024) to 3.80% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.07% | 1.44% | 0.13% | 12.49% | 3.80% |
| Q1 2026 | 13.63% | 1.37% | 0.07% | 12.56% | 3.67% |
| Q4 2025 | 14.08% | 1.29% | 0.15% | 12.56% | 3.63% |
| Q3 2025 | 13.93% | 1.14% | 0.10% | 12.43% | 3.48% |
| Q2 2025 | 13.86% | 1.11% | 0.03% | 11.86% | 3.28% |
| Q1 2025 | 14.02% | 0.96% | 0.03% | 12.15% | 3.02% |
| Q4 2024 | 13.89% | 0.77% | 0.18% | 14.14% | 2.95% |
| Q3 2024 | 14.60% | 0.24% | 0.03% | 12.31% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 28 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| San Angelo Branch | San Angelo , TX | 76903 | $198.6M |
| Springtown Branch | Springtown , TX | 76082 | $198.4M |
| Cleburne Branch | Cleburne , TX | 76033 | $173.4M |
| Boat Club Road Branch | Fort Worth , TX | 76179 | $146.4M |
| Azle Branch | Azle , TX | 76020 | $145.9M |
| Mansfield East Branch | Mansfield , TX | 76063 | $122.4M |
| Ridglea Bank Branch | Fort Worth , TX | 76116 | $121.4M |
| North Burleson Branch | Burleson , TX | 76028 | $112.5M |
| Western Center Branch | Fort Worth , TX | 76137 | $108.8M |
| Mercantile Branch | Pantego , TX | 76013 | $106.6M |
| Benbrook Branch | Benbrook , TX | 76126 | $95.6M |
| Keene Branch | Keene , TX | 76059 | $90.3M |
| Ozona Branch | Ozona , TX | 76943 | $82.1M |
| Northeast Branch | Colleyville , TX | 76034 | $75.6M |
| Woodhaven Bank Branch | Fort Worth , TX | 76112 | $72.8M |
| Cleburne Branch | Cleburne , TX | 76033 | $71.9M |
| Pinnacle Bank (main office) | Fort Worth , TX | 76102 | $71.3M |
| Wilshire Boulevard Branch | Burleson , TX | 76028 | $63.2M |
| San Antonio Branch | San Antonio , TX | 78209 | $54.5M |
| Granbury Branch | Granbury , TX | 76049 | $52.3M |
| Pinnacle Bank, Rio Vista Branch | Rio Vista , TX | 76093 | $41.8M |
| Joshua Branch | Joshua , TX | 76058 | $39.7M |
| Rhome Branch | Rhome , TX | 76078 | $39.2M |
| Midlothian Branch | Midlothian , TX | 76065 | $38.4M |
| College Station Branch | College Station , TX | 77845 | $9.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2022 | Structure Change | Acquired Crockett National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 8, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 8, 2017 | Structure Change | Acquired Woodhaven Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 21, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 21, 2009 | Structure Change | Acquired First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TX, rank 59 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 190 applications, 153 loans originated, $91.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pinnacle Bank
What are Pinnacle Bank's total assets?
As of the Q2 2026 filing, Pinnacle Bank reported total assets of $2.72 billion in its FFIEC call report.
Where is Pinnacle Bank headquartered?
It is headquartered in Fort Worth, TX, United States.
When was Pinnacle Bank founded?
It was established in 1970, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pinnacle Bank?
Pinnacle Bank's primary federal regulator is the FDIC.
What is Pinnacle Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pinnacle Bank operate?
It operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pinnacle Bank's Texas Ratio?
Its Texas Ratio is 12.49% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Pinnacle Bank previously called?
The charter now named Pinnacle Bank has also operated as First State Bank Texas (2004-2008), per FDIC structure-change records.
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