Pinnacle Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 7.4% to $142.4M. Within Texas, Pinnacle Bank is 139th of 184 on CET1 ratio, 14.07% as of Q2 2026. Pinnacle Bank reported 14.07% on CET1 ratio for Q2 2026, 0.57 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.07% |
| Tier 1 risk-based capital ratio | 14.07% |
| Total risk-based capital ratio | 15.19% |
| Tier 1 leverage ratio | 10.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $289.4M |
| Tier 1 capital | $289.4M |
| Total risk-based capital | $312.5M |
| Total equity capital | $359.5M |
| Risk-weighted assets | $2.06B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.21% |
| Tangible equity to tangible assets | 10.00% |
| Equity capital to average assets | 13.13% |
| Internal capital growth rate | 11.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $236.9M |
| Retained earnings | $142.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.59% | 13.59% | 14.54% | 9.93% | $1.86B |
| Q4 2023 | 13.37% | 13.37% | 14.39% | 9.56% | $1.85B |
| Q1 2024 | 14.12% | 14.12% | 15.17% | 9.46% | $1.79B |
| Q2 2024 | 14.25% | 14.25% | 15.16% | 9.60% | $1.82B |
| Q3 2024 | 14.60% | 14.60% | 15.54% | 9.64% | $1.79B |
| Q4 2024 | 13.89% | 13.89% | 14.95% | 9.62% | $1.82B |
| Q1 2025 | 14.02% | 14.02% | 15.09% | 9.85% | $1.86B |
| Q2 2025 | 13.86% | 13.86% | 14.90% | 10.23% | $1.94B |
| Q3 2025 | 13.93% | 13.93% | 14.98% | 10.48% | $2.00B |
| Q4 2025 | 14.08% | 14.08% | 15.21% | 10.61% | $2.02B |
| Q1 2026 | 13.63% | 13.63% | 14.75% | 10.58% | $2.04B |
| Q2 2026 | 14.07% | 14.07% | 15.19% | 10.93% | $2.06B |
Pinnacle Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedule RC-R, 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 20231) · FFIEC NIC profile (RSSD 867650)