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Pinnacle Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #3455227 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.46% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 50.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +1
96
Sub-score

Liquidity is strong: brokered 5.5%, loans/deposits 70.9%, cash 17.7% of assets.

Cash / Assets
17.74%
Loans / Deposits
70.88%
Brokered %
5.53%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.61%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.50%, CET1 16.50%, leverage 11.87%.

Tier 1 RBC
16.50%
CET1
16.50%
Leverage
11.87%
No watch items at this period.

Asset Quality

StableQoQ -3
77
Sub-score

Asset quality is stable: Adjusted NPL 2.46%, Texas Ratio 11.8%, NCO YTD -0.01%.

Adjusted NPL
2.46%
Govt-guarantees stripped
Texas Ratio
11.8%
NCO YTD
-0.01%
30-89 PD
1.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.46% (govt-guarantees stripped).

Reserves

WatchQoQ +3
46
Sub-score

Reserves are deteriorating: ALLL 1.58% of loans, coverage 65.1%, true coverage 50.0%.

ALLL / Loans
1.58%
Coverage
65.1%
True Loss Coverage
50.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 50.0% (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