Side-by-side · Q2 2026 data
Pinnacle Bank vs Kerndt Brothers Savings Bank
Metric by metric
| Measure | Pinnacle Bank | Kerndt Brothers Savings Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 79 |
| Capital cushion | 97 (stronger) | 59 |
| Loan quality | 75 | 78 (stronger) |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 57 | 86 (stronger) |
| Problem-loan coverage | 79 | 93 (stronger) |
| Peer percentile | 82nd | 75th |
| Total assets | $324.4M | $347.2M |
| Deposits / shares | $268.2M | $282.8M |
| Capital ratio | 14.66% (stronger) | 10.88% |
| Problem loans | 0.75% | 0.65% (stronger) |
| Net charge-offs | 0.23% | 0.00% (stronger) |
| Return on assets | 1.72% | 2.48% (stronger) |
| Loans ÷ deposits | 77.5% | 71.5% (stronger) |
| Uninsured deposits | 38.1% | 17.3% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.4% |
Pinnacle Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 2 and Kerndt Brothers Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.