Side-by-side · Q2 2026 data
Pinnacle Bank vs The State Bank of Toledo
Metric by metric
| Measure | Pinnacle Bank | The State Bank of Toledo |
|---|---|---|
| TellerScore | 82 (stronger) | 52 |
| Capital cushion | 97 (stronger) | 48 |
| Loan quality | 75 (stronger) | 32 |
| Earnings | 89 (stronger) | 63 |
| Funding & liquidity | 57 | 66 (stronger) |
| Problem-loan coverage | 79 (stronger) | 67 |
| Peer percentile | 82nd | 8th |
| Total assets | $324.4M | $134.6M |
| Deposits / shares | $268.2M | $120.2M |
| Capital ratio | 14.66% (stronger) | 9.83% |
| Problem loans | 0.75% (stronger) | 2.04% |
| Net charge-offs | 0.23% (stronger) | 0.27% |
| Return on assets | 1.72% (stronger) | 1.07% |
| Loans ÷ deposits | 77.5% (stronger) | 89.9% |
| Uninsured deposits | 38.1% | 18.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pinnacle Bank has the higher TellerScore (82 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 6 and The State Bank of Toledo on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.