Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs Pinnacle Bank, Inc.
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | Pinnacle Bank, Inc. |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 72 (stronger) | 42 |
| Earnings | 61 (stronger) | 37 |
| Funding & liquidity | 95 (stronger) | 70 |
| Problem-loan coverage | 94 (stronger) | 83 |
| Peer percentile | 75th | 30th |
| Total assets | $669.9M | $57.9M |
| Deposits / shares | $571.0M | $46.8M |
| Capital ratio | 13.51% | 15.67% (stronger) |
| Problem loans | 0.85% (stronger) | 1.74% |
| Net charge-offs | 0.03% (stronger) | 0.97% |
| Return on assets | 1.04% (stronger) | 0.43% |
| Loans ÷ deposits | 59.8% (stronger) | 78.4% |
| Uninsured deposits | 20.0% (stronger) | 25.3% |
| Offices | 12 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 6 and Pinnacle Bank, Inc. on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.