Side-by-side · Q2 2026 data
Pinnacle Bank vs Alerus Financial, National Association
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Pinnacle Bank | Alerus Financial, National Association |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 97 (stronger) | 43 |
| Loan quality | 75 | 91 (stronger) |
| Earnings | 89 | 91 (stronger) |
| Funding & liquidity | 57 (stronger) | 43 |
| Problem-loan coverage | 79 | 94 (stronger) |
| Peer percentile | 82nd | 58th |
| Total assets | $324.4M | $5.3B |
| Deposits / shares | $268.2M | $4.2B |
| Capital ratio | 14.66% (stronger) | 9.26% |
| Problem loans | 0.75% | 0.26% (stronger) |
| Net charge-offs | 0.23% (stronger) | 0.47% |
| Return on assets | 1.72% | 1.78% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 94.7% |
| Uninsured deposits | 38.1% | 35.1% (stronger) |
| Offices | 1 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.1% |
Pinnacle Bank has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 4 and Alerus Financial, National Association on 3. 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.