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Pinnacle Bank

IDRSSD: 3455227
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q1QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #3455227 2025-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.0% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.09% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +2
94
Sub-score

Liquidity is strong: brokered 6.6%, loans/deposits 73.0%, cash 15.1% of assets.

Cash / Assets
15.09%
Loans / Deposits
73.02%
Brokered %
6.61%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.75%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.09%, CET1 16.09%, leverage 11.94%.

Tier 1 RBC
16.09%
CET1
16.09%
Leverage
11.94%
No watch items at this period.

Asset Quality

StableQoQ +4
78
Sub-score

Asset quality is stable: Adjusted NPL 2.09%, Texas Ratio 10.7%, NCO YTD 0.19%.

Adjusted NPL
2.09%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
0.19%
30-89 PD
1.58%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.09% (govt-guarantees stripped).

Reserves

RiskQoQ 0
33
Sub-score

Reserves are weak: ALLL 1.23% of loans, coverage 59.9%, true coverage 44.0%.

ALLL / Loans
1.23%
Coverage
59.9%
True Loss Coverage
44.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.0% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:40:10 UTC