Side-by-side · Q2 2026 data
Pinnacle Bank vs First Trust and Savings Bank
Metric by metric
| Measure | Pinnacle Bank | First Trust and Savings Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 45 |
| Capital cushion | 97 (stronger) | 57 |
| Loan quality | 75 (stronger) | 0 |
| Earnings | 89 (stronger) | 81 |
| Funding & liquidity | 57 (stronger) | 46 |
| Problem-loan coverage | 79 (stronger) | 50 |
| Peer percentile | 82nd | 4th |
| Total assets | $324.4M | $320.6M |
| Deposits / shares | $268.2M | $271.6M |
| Capital ratio | 14.66% (stronger) | 10.70% |
| Problem loans | 0.75% (stronger) | 3.21% |
| Net charge-offs | 0.23% | 0.02% (stronger) |
| Return on assets | 1.72% (stronger) | 1.53% |
| Loans ÷ deposits | 77.5% (stronger) | 100.8% |
| Uninsured deposits | 38.1% | 27.2% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Pinnacle Bank has the higher TellerScore (82 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 5 and First Trust and Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.