Side-by-side · Q2 2026 data
Pinnacle Bank vs First State Bank
Metric by metric
| Measure | Pinnacle Bank | First State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 75 |
| Capital cushion | 97 (stronger) | 48 |
| Loan quality | 75 | 93 (stronger) |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 57 (stronger) | 53 |
| Problem-loan coverage | 79 | 97 (stronger) |
| Peer percentile | 82nd | 61st |
| Total assets | $324.4M | $384.2M |
| Deposits / shares | $268.2M | $308.1M |
| Capital ratio | 14.66% (stronger) | 9.77% |
| Problem loans | 0.75% | 0.21% (stronger) |
| Net charge-offs | 0.23% | 0.01% (stronger) |
| Return on assets | 1.72% | 2.11% (stronger) |
| Loans ÷ deposits | 77.5% (stronger) | 95.6% |
| Uninsured deposits | 38.1% | 26.0% (stronger) |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.5% |
Pinnacle Bank has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.