Side-by-side · Q2 2026 data
Pinnacle Bank vs State Bank of Texas
Metric by metric
| Measure | Pinnacle Bank | State Bank of Texas |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 96 (stronger) | 28 |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 64 (stronger) | 61 |
| Problem-loan coverage | 81 (stronger) | 77 |
| Peer percentile | 77th | 74th |
| Total assets | $2.7B | $2.6B |
| Deposits / shares | $2.3B | $2.1B |
| Capital ratio | 10.93% | 15.71% (stronger) |
| Problem loans | 0.13% (stronger) | 2.16% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.41% | 4.24% (stronger) |
| Loans ÷ deposits | 80.7% (stronger) | 96.8% |
| Uninsured deposits | 29.6% | 16.6% (stronger) |
| Offices | 26 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
Pinnacle Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 3 and State Bank of Texas on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.