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 Fort Worth, TX against its peer group of 941 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 | 1.44% | 1.34% | +0.10% | 61st above |
| ROAE | 11.15% | 12.40% | -1.25% | 41st below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.80% | 3.83% | -0.03% | 56th above |
| Efficiency Ratio | 49.14% | 57.84% | -8.70% | 76th top |
| PPNR / Avg Assets | 1.87% | — | — | 60th above |
| Yield on Earning Assets | 5.46% | 5.71% | -0.25% | 45th below |
| Cost of Funds | 1.81% | 2.02% | -0.21% | 61st above |
| Net Interest Spread | 2.95% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 1.00% | -0.87% | 87th top |
| NPA / Total Assets | 1.31% | — | — | 17th bottom |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 61st above |
| ACL / Total Loans | 1.16% | — | — | 51st above |
| ACL / NPLs (Coverage) | 906.74% | — | — | 90th top |
| Texas Ratio | 12.49% | 5.47% | +7.02% | 10th bottom |
| Provision / NCO | 496.43% | — | — | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.07% | 14.99% | -0.92% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.07% | 15.02% | -0.95% | 58th above |
| Total Capital Ratio | 15.19% | — | — | 59th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.93% | 11.11% | -0.18% | 59th above |
| Equity / Assets | 13.21% | 11.02% | +2.19% | 85th top |
| TCE / Tangible Assets | 10.00% | — | — | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.63% | 86.99% | -5.36% | 65th above |
| Core Deposit Ratio | 94.75% | 85.57% | +9.18% | 84th top |
| Uninsured Deposit Ratio | 29.57% | 33.19% | -3.62% | 55th above |
| Wholesale Funding Ratio | 0.01% | — | — | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.22% | — | — | 22nd bottom |
| Loan Growth (Y/Y) | 5.39% | — | — | 47th below |
| Deposit Growth (Y/Y) | 0.21% | — | — | 19th bottom |
See Pinnacle Bank's peers by name
The 941 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.