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Pinnacle Bank
Fort Worth, TX · FDIC Certificate #20231 · Chartered 08/1
Total assets
$2.72B
Total deposits
$2.34B
Total equity
$359.46M
Net loans
$1.89B
Branches (offices)
28
Net income (YTD)
$19.18M
Rank: #472 of 4,213 U.S. banks by assets · #39 of 346 in Texas. Assets changed 1.2% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 10.81% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 13.21% |
| Tier 1 leverage ratio | 10.93% |
| Uninsured deposits (share of deposits) | 29.6% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 80.7% |
| Real estate loans (share of loans) | 96.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.83B | 96.6% | |
| Commercial & industrial | $71.69M | 3.8% | |
| Consumer / individual | $8.67M | 0.5% | |
| Construction & development | $414.47M | 21.9% | |
| Agricultural | $778.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.20B | $2.00B | $11.94M | $195.21M |
| Jun 2023 | $2.58B | $2.20B | $9.86M | $288.20M |
| Jun 2024 | $2.80B | $2.31B | $10.14M | $303.31M |
| Jun 2025 | $2.69B | $2.34B | $14.14M | $333.98M |
| Jun 2026 | $2.72B | $2.34B | $19.18M | $359.46M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.34B | 28 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.34B.
Similar-sized banks
Home Federal Bank Of Tennessee ($2.73B) · Tradition Capital Bank ($2.72B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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