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Pinnacle Bank

IDRSSD: 365745
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ -14

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

Quarterly Headline

2023-Q4

Bank #365745 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.03% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
64
Sub-score

Liquidity is stable: brokered 21.9%, loans/deposits 82.8%, cash 3.2% of assets.

Cash / Assets
3.16%
Loans / Deposits
82.77%
Brokered %
21.91%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.93%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.22%, CET1 17.22%, leverage 15.11%.

Tier 1 RBC
17.22%
CET1
17.22%
Leverage
15.11%
No watch items at this period.

Asset Quality

StrongQoQ -18
82
Sub-score

Asset quality is strong: Adjusted NPL 1.63%, Texas Ratio 7.4%, NCO YTD 1.03%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
1.03%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.03% of loans.

Reserves

Risk
36
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 63.4%, true coverage 63.4%.

ALLL / Loans
1.02%
Coverage
63.4%
True Loss Coverage
63.4%
No watch items at this period.

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: 2026-05-13 03:45:59 UTC