Pinnacle Bank (FDIC certificate #20231) is based in Fort Worth, Texas. Its Q2 2026 call report shows $2.7B in total assets and $2.3B in deposits and 28 offices.
Based on its Q2 2026 filing, Pinnacle Bank scores 75/100, which we describe as strong. That is higher than 77% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 157th. Its strongest component is loan quality (96/100; 0.13%), and its lowest is capital cushion (59/100; 10.93%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (72 → 75), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.60% |
| Q3 2024 | 9.64% |
| Q4 2024 | 9.62% |
| Q1 2025 | 9.85% |
| Q2 2025 | 10.23% |
| Q3 2025 | 10.48% |
| Q4 2025 | 10.61% |
| Q1 2026 | 10.58% |
| Q2 2026 | 10.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.03% |
| Q2 2025 | 0.03% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $2.7B | 10.93% | 0.13% | 1.41% | 80.7% |
| Q1 2026 | 74 | $2.7B | 10.58% | 0.07% | 1.37% | 79.5% |
| Q4 2025 | 72 | $2.7B | 10.61% | 0.15% | 1.14% | 78.1% |
| Q3 2025 | 71 | $2.7B | 10.48% | 0.10% | 1.08% | 78.0% |
| Q2 2025 | 72 | $2.7B | 10.23% | 0.03% | 1.05% | 76.7% |
| Q1 2025 | 71 | $2.7B | 9.85% | 0.03% | 0.97% | 72.1% |
| Q4 2024 | 66 | $2.7B | 9.62% | 0.18% | 0.63% | 72.1% |
| Q3 2024 | 67 | $2.7B | 9.64% | 0.03% | 0.58% | 70.8% |
| Q2 2024 | 54 | $2.8B | 9.60% | 1.06% | 0.74% | 69.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Momentum BankBank College Station, TX | 57 out of 100, Moderate | $2.8B | 19.2% | 3.52% | vs |
| Wells Fargo Bank South Central, National AssociationBank Houston, TX | 80 out of 100, Strong | $2.6B | 29.7% | 1.24% | vs |
| State Bank of TexasBank Irving, TX | 74 out of 100, Strong | $2.6B | 15.7% | 2.16% | vs |
| Extraco Banks, National AssociationBank Temple, TX | 70 out of 100, Strong | $2.6B | 8.7% | 0.04% | vs |
| Jefferson BankBank San Antonio, TX | 61 out of 100, Moderate | $2.9B | 9.8% | 0.75% | vs |
| West Texas National BankBank Midland, TX | 60 out of 100, Moderate | $2.9B | 10.5% | 1.67% | vs |
Deposit insurance
Is my money safe at Pinnacle Bank?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #20231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.6% of deposits ($692.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.19% (benchmark: 10%).
28 locations
Branches
Pinnacle Bank lists 26 offices in 19 cities. Most locations:
- Fort Worth, TX (5)
- Burleson, TX (2)
- Cleburne, TX (2)
- San Angelo, TX (2)
- Azle, TX (1)
- Benbrook, TX (1)
- College Station, TX (1)
- Colleyville, TX (1)
- Granbury, TX (1)
- Joshua, TX (1)
- Keene, TX (1)
- Mansfield, TX (1)
HMDA 2025
Mortgage lending
In 2025, Pinnacle Bank reported 190 home-loan applications under HMDA (LEI 549300SDQ83FUC7IK543): 153 originated ($91,015,000 total), 14 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Pinnacle Bank
- Former names
- First State Bank; First State Bank Texas
- Type
- State-chartered bank
- FDIC certificate #
- 20231
- RSSD ID
- 867650
- Primary regulator
- FDIC
- Holding company
- Pinnacle Bcorp Inc
- Established
- August 10, 1970
- Headquarters
- 250 W Lancaster Ave, Fort Worth, TX 76102
- Website
- www.pinnbanktx.com
- Employees
- 274
Quick answers
Pinnacle Bank: common questions
Is Pinnacle Bank FDIC insured?
Yes. Pinnacle Bank is an FDIC-insured institution (FDIC certificate #20231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pinnacle Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pinnacle Bank ever failed?
There is no failure record for FDIC certificate #20231 in the FDIC failed bank list.
How many branches does Pinnacle Bank have?
28 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Worth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fort Worth City Credit UnionCredit union Fort Worth, TX | 93 out of 100, Very strong | $336.8M | 13.1% | 0.03% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX | 89 out of 100, Very strong | $11.9M | 20.9% | 1.07% | vs |
| First National Bank of BurlesonBank Burleson, TX | 89 out of 100, Very strong | $250.8M | 12.6% | 0.00% | vs |
| Datcu Credit UnionCredit union Denton, TX | 89 out of 100, Very strong | $1.8B | 17.2% | 0.13% | vs |
| Allied Federal Credit UnionCredit union Arlington, TX | 88 out of 100, Very strong | $137.6M | 12.2% | 0.23% | vs |