Side-by-side · Q2 2026 data
Ozona Bank vs Pinnacle Bank
Metric by metric
| Measure | Ozona Bank | Pinnacle Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 73 (stronger) | 59 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 47 | 76 (stronger) |
| Funding & liquidity | 83 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 75th | 77th |
| Total assets | $346.1M | $2.7B |
| Deposits / shares | $282.8M | $2.3B |
| Capital ratio | 12.31% (stronger) | 10.93% |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 0.68% | 1.41% (stronger) |
| Loans ÷ deposits | 62.4% (stronger) | 80.7% |
| Uninsured deposits | 28.0% (stronger) | 29.6% |
| Offices | 4 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.3% |
Ozona Bank has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Ozona Bank leads on 5 and Pinnacle Bank on 2. 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.
Where both have branches
- Ozona, TX
- San Antonio, TX