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 Lincoln, NE 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 | 1.48% | 1.34% | +0.14% | 64th above |
| ROAE | 16.02% | 12.40% | +3.62% | 76th top |
| Net Interest Margin | 3.32% | 3.83% | -0.51% | 27th below |
| Efficiency Ratio | 44.91% | 57.84% | -12.93% | 86th top |
| PPNR / Avg Assets | 2.04% | — | — | 70th above |
| Yield on Earning Assets | 5.07% | 5.71% | -0.64% | 23rd bottom |
| Cost of Funds | 1.89% | 2.02% | -0.13% | 57th above |
| Net Interest Spread | 2.62% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 1.00% | -0.98% | 95th top |
| NPA / Total Assets | 0.11% | — | — | 85th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 71st above |
| ACL / Total Loans | 1.12% | — | — | 46th below |
| ACL / NPLs (Coverage) | 4703.80% | — | — | — |
| Texas Ratio | 1.36% | 5.47% | -4.11% | 77th top |
| Provision / NCO | 3661.68% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.35% | 14.99% | -2.64% | 30th below |
| Tier 1 Ratio | 12.35% | 15.02% | -2.67% | 30th below |
| Total Capital Ratio | 13.48% | — | — | 31st below |
| Leverage Ratio | 9.92% | 11.11% | -1.19% | 34th below |
| Equity / Assets | 9.68% | 11.02% | -1.34% | 36th below |
| TCE / Tangible Assets | 9.46% | — | — | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.99% | 86.99% | -3.00% | 60th above |
| Core Deposit Ratio | 92.50% | 85.57% | +6.93% | 72nd above |
| Uninsured Deposit Ratio | 30.89% | 33.19% | -2.30% | 50th above |
| Wholesale Funding Ratio | 0.98% | — | — | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.86% | — | — | 66th above |
| Loan Growth (Y/Y) | 7.67% | — | — | 62nd above |
| Deposit Growth (Y/Y) | 7.82% | — | — | 65th above |
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.