Pinnacle Bank Wyoming: Bank Stress & Real-Estate Credit Exposure

Bank stress at Pinnacle Bank Wyoming (FDIC Cert #2232) registers 58/100 on DLRadar's scale — a moderate reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its footprint is compact and regionally concentrated: 75 ZIP codes in 10 counties over 2 states. The deepest footprints are Wyoming (9 counties), Nebraska (1 county). The combination of a moderate reading and a compact footprint is what makes Pinnacle Bank Wyoming worth watching as a supply signal. Its lending reaches counties such as Laramie County, WY, Goshen County, WY, Albany County, WY, Crook County, WY, each tied back to DLRadar's distress signals. Pinnacle Bank Wyoming's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Pinnacle Bank Wyoming is held under Pinnacle Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Pinnacle Bank Wyoming in isolation: the 75-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 10 counties, so a shift in the bank's moderate posture can be read directly against on-the-ground distress. The Pinnacle Bank Wyoming score updates as fresh FDIC call reports post each quarter, so its 58/100 reading and 10-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Pinnacle Bank Wyoming is directly comparable to any lender in the country.

For buyers, lender stress is an early map of supply: when Pinnacle Bank Wyoming pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.