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Pinnacle Bank
Fort Worth, TX·FDIC Cert #20231·Charter: STATE·Est. 19700810.0·HC: PINNACLE BCORP INC
Total Assets
$2.7B
Q4 2025
Return on Assets
1.14%
+0.06%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.69%
Peer avg: 58.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.14%+0.06
ROE
9.30%+0.31
Efficiency
52.69%-0.66
Equity/Assets
0.00%+0.00
NPL Ratio
0.15%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.15%+0.17
Charge-offs
0.01%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.7 | 0.6 | 0.6 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 5.8 | 6.8 | 5.2 | 5.6 | 8.4 | 8.8 | 9.0 | 9.3 |
| Efficiency | 64.9 | 54.4 | 60.9 | 60.5 | 54.2 | 53.6 | 53.3 | 52.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 1.1 | 0.0 | 0.2 | 0.0 | 0.0 | 0.1 | 0.1 |
| Charge-offs | 0.0 | 0.9 | 0.6 | 0.4 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 71.3 | 69.3 | 70.8 | 72.1 | 72.1 | 76.7 | 78.0 | 78.1 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.4B
Total Loans$1.8B
Total Equity$356.4M
Profitability
ROA1.14%
ROE9.30%
Efficiency Ratio52.69%
Net Income$30.9M
Risk & Asset Quality
NPL Ratio0.15%
Charge-off Rate0.01%
Loan/Deposit78.15%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans