Pinnacle Bank
Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.9. A current level of 0.2 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.0) profitability.
Asset Mix:
Comm re (27%), securities (23%), home mtgs (9%), cash (7%), comm loans (3%), consumer loans (0%), other (30%)
States with Branches:
NE, TX, WY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Pinnacle Bancorp, Inc.
Investment Rating
--
Address
250 West Lancaster Avenue
Fort Worth, TX 76102
Fort Worth, TX 76102
Phone Number
(817) 810-9110
Year Founded
1970
FDIC Number
Website
Largest Affiliates
Lincoln, NE
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Fort Collins, CO
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Cody, WY
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Bank