Side-by-side · Q2 2026 data
Pinnacle Bank vs Exchange State Bank
Metric by metric
| Measure | Pinnacle Bank | Exchange State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 71 |
| Capital cushion | 97 (stronger) | 62 |
| Loan quality | 75 (stronger) | 67 |
| Earnings | 89 | 99 (stronger) |
| Funding & liquidity | 57 (stronger) | 46 |
| Problem-loan coverage | 79 | 85 (stronger) |
| Peer percentile | 82nd | 47th |
| Total assets | $324.4M | $146.0M |
| Deposits / shares | $268.2M | $117.5M |
| Capital ratio | 14.66% (stronger) | 11.17% |
| Problem loans | 0.75% (stronger) | 1.00% |
| Net charge-offs | 0.23% | 0.00% (stronger) |
| Return on assets | 1.72% | 1.97% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 103.4% |
| Uninsured deposits | 38.1% | 25.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.8% |
Pinnacle Bank has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 4 and Exchange State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.