Pinnacle Bank (FDIC #20231): Bank Stress & Real-Estate Credit Exposure
Pinnacle Bank (FDIC Cert #20231): bank stress 51/100, moderate, STABLE over 7 days; parent PINNACLE BCORP INC.
Pinnacle Bank (#20231) lends in 10 counties across 1 state; Pinnacle Bank (#20231) reaches 246 ZIP codes: Texas 10 counties, 246 ZIPs.
Pinnacle Bank (#20231) largest markets: Bexar County, TX (78 branches, 78 ZIPs) (#20231), Tarrant County, TX (912 branches, 76 ZIPs) (#20231), Ellis County, TX (20 branches, 20 ZIPs) (#20231), Parker County, TX (19 branches, 19 ZIPs) (#20231), Wise County, TX (18 branches, 18 ZIPs) (#20231), Tom Green County, TX (51 branches, 17 ZIPs) (#20231).
Pinnacle Bank (#20231) reports $2.72 billion in total assets; Pinnacle Bank (#20231) equity $359.5 million (13.2% of Pinnacle Bank (#20231) assets); Pinnacle Bank (#20231) domestic deposits $2.34 billion; Pinnacle Bank (#20231) net income $19.2 million; Pinnacle Bank (#20231) return on assets 1.41%; Pinnacle Bank (#20231) return on equity 10.81%; Pinnacle Bank (#20231) net interest income $47.6 million; Pinnacle Bank (#20231) call report June 30, 2026.
Pinnacle Bank (#20231) noncurrent real-estate loans: none reported; Pinnacle Bank (#20231) net charge-offs on real estate 0.13%; Pinnacle Bank (#20231) residential charge-offs 0.01%.
Pinnacle Bank (#20231) net interest margin 3.79% against an eight-quarter Pinnacle Bank (#20231) average of 3.22% (Pinnacle Bank (#20231) compression -0.57 points); Pinnacle Bank (#20231) non-residential real estate 1.1% of equity; Pinnacle Bank (#20231) rate-exposure score 40/100, Pinnacle Bank (#20231) fixed-rate trap 40/100; Pinnacle Bank (#20231) risk type credit driven; Pinnacle Bank (#20231) rate regime rates elevated, Pinnacle Bank (#20231) snapshot October 20, 2026.
Pinnacle Bank (#20231) stress score moved from 51.7 on June 22, 2026 to 51 on October 20, 2026; Pinnacle Bank (#20231) ranged 51 to 51.7 over 117 snapshots.
Pinnacle Bank (#20231) alerts: 10 counties; top Pinnacle Bank (#20231) alert scores: College Station County, TX 17 (low); Granbury County, TX 17 (low); Mansfield County, TX 17 (low); Midlothian County, TX 17 (low); Ozona County, TX 17 (low).