Side-by-side · Q2 2026 data
State Bank & Trust vs Pinnacle Bank
Metric by metric
| Measure | State Bank & Trust | Pinnacle Bank |
|---|---|---|
| TellerScore | 63 | 76 (stronger) |
| Capital cushion | 40 | 63 (stronger) |
| Loan quality | 83 | 99 (stronger) |
| Earnings | 56 | 66 (stronger) |
| Funding & liquidity | 66 (stronger) | 64 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 24th | 64th |
| Total assets | $413.0M | $384.5M |
| Deposits / shares | $362.6M | $355.0M |
| Capital ratio | 9.01% | 11.30% (stronger) |
| Problem loans | 0.51% | 0.02% (stronger) |
| Net charge-offs | 0.23% | 0.05% (stronger) |
| Return on assets | 0.89% | 1.15% (stronger) |
| Loans ÷ deposits | 76.1% | 37.8% (stronger) |
| Uninsured deposits | 31.7% (stronger) | 48.0% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pinnacle Bank has the higher TellerScore (76 vs 63). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust leads on 1 and Pinnacle Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.