Pinnacle Bank: how it compares with its peers
Against 55 TX banks with half to twice its assets, Pinnacle Bank's strongest measure in Q2 2026 is efficiency ratio (49.49% vs. a 56.20% peer median). Its weakest relative measure is return on assets (1.41% vs. 1.59%).
| Measure | Pinnacle Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.59% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 3.95% | Middle third Ahead of 40% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.49% | 56.20% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $8.8M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.68% | 78.01% | Context |
What it means for lending operations
Its efficiency ratio of 49.49% is better than the 56.20% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- American Momentum Bank College Station, TX · $2.85B
- Wells Fargo Bank South Central, National Association Houston, TX · $2.59B
- State Bank of Texas Irving, TX · $2.59B
- Extraco Banks, National Association Temple, TX · $2.57B
- Jefferson Bank San Antonio, TX · $2.88B
- West Texas National Bank Midland, TX · $2.88B
Questions about Pinnacle Bank
How big is Pinnacle Bank?
Pinnacle Bank, established in 1970, is headquartered in Fort Worth, TX. It reported $2.72B in total assets in its Q2 2026 FDIC call report and operates 28 offices.
What is Pinnacle Bank's return on assets?
1.41% annualized in Q2 2026, against a 1.59% median for 55 TX banks with half to twice its assets, ahead of 35% of them.
What is Pinnacle Bank's efficiency ratio?
49.49% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 56.20%, and lower is better.
Is Pinnacle Bank growing its loans?
Net loans grew 5.4% over the year to Q2 2026, while deposits grew 0.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.