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 Securities to assets: 1.59 percentage points lower than in Q1 2026, at 18.60%. Pinnacle Bank ranks 184th of 345 Texas banks on return on assets, in the lower half at 1.44% (Q2 2026). Pinnacle Bank reported 1.44% on return on assets for Q2 2026, 0.17 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.07% |
| Tier 1 risk-based capital ratio | 14.07% |
| Total risk-based capital ratio | 15.19% |
| Tier 1 leverage ratio | 10.93% |
| Equity capital to assets | 13.21% |
| Tangible equity to tangible assets | 10.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 1.31% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 12.49% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 906.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 11.15% |
| Net interest margin | 3.80% |
| Efficiency ratio | 49.14% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.63% |
| Core deposits to total deposits | 94.75% |
| Brokered deposits to total deposits | 0.15% |
| Deposits to assets | 86.05% |
| Securities to assets | 18.60% |
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 | 13.59% | 13.59% | 14.54% | 9.93% | 0.71% |
| Q4 2023 | 13.37% | 13.37% | 14.39% | 9.56% | 0.57% |
| Q1 2024 | 14.12% | 14.12% | 15.17% | 9.46% | 0.62% |
| Q2 2024 | 14.25% | 14.25% | 15.16% | 9.60% | 0.84% |
| Q3 2024 | 14.60% | 14.60% | 15.54% | 9.64% | 0.24% |
| Q4 2024 | 13.89% | 13.89% | 14.95% | 9.62% | 0.77% |
| Q1 2025 | 14.02% | 14.02% | 15.09% | 9.85% | 0.96% |
| Q2 2025 | 13.86% | 13.86% | 14.90% | 10.23% | 1.11% |
| Q3 2025 | 13.93% | 13.93% | 14.98% | 10.48% | 1.14% |
| Q4 2025 | 14.08% | 14.08% | 15.21% | 10.61% | 1.29% |
| Q1 2026 | 13.63% | 13.63% | 14.75% | 10.58% | 1.37% |
| Q2 2026 | 14.07% | 14.07% | 15.19% | 10.93% | 1.44% |
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 20231) · FFIEC NIC profile (RSSD 867650)