# PINNACLE BANK
FORT WORTH, TX · FDIC certificate 20231 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.72B | |
| Deposits | $2.34B | |
| Loans and leases | $1.91B | |
| Total equity | $359.5M | |
| Loans / deposits | 80.68% (p35 of band) | 87.10% |
| Liquid assets / assets | 23.75% (p60 of band) | |
| Uninsured deposits / deposits | 29.57% (p46 of band) | 30.76% |
| Brokered deposits | 0.13% | |
| Wholesale funding | 0.13% (p16 of band) | |
| FHLB advances / assets | 0.01% | |
| Tier 1 leverage | 10.93% (p59 of band) | 10.50% |
| Unrealized securities loss / equity | -7.10% (p53 of band) | -7.75% |
| AOCI / equity | -0.03% (p72 of band) | |
| ROA (annualized) | 1.41% (p63 of band) | 1.26% |
| Net interest margin | 3.79% (p55 of band) | 3.70% |
| Efficiency ratio | 49.49% (p23 of band) | |
| Noncurrent loans | 0.13% (p17 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p34 of band) | |
| Reserve coverage of noncurrent | 898.66% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 115.30% (p93 of band) | |
| Auto loans | $2.1M (0.11% of loans; DQ 0.56%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 274 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | construction >100% equity | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 | charge-offs p90 | capital falling |
| 2024-09 | 1 |  | construction >100% equity |
| 2024-12 | 1 | construction >100% equity | charge-offs p90 |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-12-02 [Pinnacle Bank’s acquisition of Crockett National Bank approved - Fort Worth Report](https://news.google.com/rss/articles/CBMiowFBVV95cUxQanRDanVld0o4UUJIU2pHUTdjbGpFc1pyS2paVzkyQTNMVF9yT0ZucFZfOC1URkpuTDQ4My1qdHozODFHbnhWa0VsMEJtV281dE9RazFRS1I1WWtJYVpHQ0VnRWtSTGFuWlp5Y29NMEwwSk8wMXkyVi1ud2VPWDVXNEpVUDNtQmhDZmdKanJuaXM0a0hqam14NXpDbkRXWGZnQmVj?oc=5) · Fort Worth Report
- 2021-10-04 [Shady Grove Office Leader Justin Russell Among New Members of Pinnacle's Memphis Team - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMivgFBVV95cUxNa0lkU3lrZ2FkX3NRdEFvdHN3enM1YXhKbmppTmEyLUJSSklsd2tobk1NUmxKbW1KRzRSVWY3bGxqUU82MmNBMVYzLTFQSXIzSUx1cWFoTk4xYkcwLTZCX2JQbHhVX3hnalhwVTEyOGY0MjdNRlZWeUlVRTV2ZEpxMi1pTGdqYzZBX25hNXMzX0FwMncwa1VQNm05cXVLRG5reUZRaU9kZWppZTR6QzRzeFlXNnFZYjZNWF9uTnd3?oc=5) · Pinnacle Financial Partners
- 2022-07-01 [Pinnacle Bank Acquires San Antonio-Based Crockett National Bank - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxOclNDLUZWNWlrNXhJN2c2LVNTZmNDVExWVk85UzZCN3JBVW8xb0ZZbkFCenNzZGpheGIweFJKWERsS2R4eUxaVlRjNlpMMWFlbGhUR2hIZlhjaVM5M2ZqQXFRSDJiZmFLN0hiNHRSN0hsNnFqVGMxR1dqUDBEci1sYVVJUk1JZmNqQ3lFZ0JMQy1RME5GV1E?oc=5) · Fort Worth Inc.
- 2024-06-01 [Pinnacle Bank Texas holds keys to Burnett Plaza but legal feud swirls around Fort Worth's tallest tower - WFAA](https://news.google.com/rss/articles/CBMihAJBVV95cUxOWUFSZ0pzMHg1YmpsX2x4U3NmdHNST1lDd25qcm1vZ25pSmdJT0pic0JiREg1ci1iTmxZbGxJT0I0blhSLXdTbFBERElXUHczODEwOFMzOVNVWm9aTWxfbFFnaGg3LUhyQ0phbU9nVktqVkhIcHI4NEJoV1ZlbFduVU1ILVBzYU00THd5UlpwQVBkNzV5THM4cG82QlA1NF9uNEpxVHpsV3pXSnk1YVU5SzBza0VqSlV1b2ozNnlIWk1zZ0dQQnB3QzJoRXRTVG5ZVHQ2OXZ5bTY1SlJRSlROU044dFgwMm5jNmNzdS1Qb3haSGllZXBBNmlmQlFHV2RydXg5bQ?oc=5) · WFAA
- 2024-05-09 [Pinnacle Bank Buys Back Fort Worth Office Tower for $12 per sf - The Real Deal](https://news.google.com/rss/articles/CBMitAFBVV95cUxOMmhqSVJGNkU3SUhLUnhwNk03ZGJuUzB2dVRXR0RqbGVNVWg1ZnBSakdWRlREa3U3WGpZY3pnZEhuRWtSRmNIV0RDYkRBMWZ0UXIyUWVJQmlNbFdEdXYzc21wR2NKVGFic0xjU1FVeGw3YTZVdVpiMEtFQ2tkSGNCdUx1Rmw5cUh0VV9XY1RKY2VNb1ZMeWV2MWZ0bWZpTVhYQVoxVlk3RHlIQzRzeUN0eDE2dGQ?oc=5) · The Real Deal
- 2022-07-01 [Pinnacle Bank acquires Crockett National Bank - gosanangelo.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNU0JiclF0QjNrOVJBc3FoSWdrWWplUlN4T1gtOVRsY2RxeTEwZFIxekdRN0Z3VmJ6ZXhmOHl4WW1DVV9qUkVlOUxNOEZOUTk0aXp6Z2NGSGhLQzZOdlpybGpibnJsdmhEMDQ3cGlzdl8yeFFJeER5MkFlZnRzNGVpQlhkSTBOSnhSS19TYXZCNWtLU01FU3FQVU43anYwRWs4ai1jaHhFdGc5SW8?oc=5) · gosanangelo.com
- 2016-05-27 [Top 100 Financial Services Pinnacle Bank Texas aims for the top - The Business Press](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRnRRMGR1RU54bTFYREE2aW1kcVZ6b2IwTHhwQnNCVXpGeHRHSHFHd3RycFF5bkhXd2FkNmNkXzZrb0NIbVoyblRqb1E2clFtay1IZm5xVW1MeUFUclg5S29fNjFTNTBpS2RqQlItU05ZUnJ4SUdVVFdRTDJ5VndRUHFFUEhhcHJIb0ZhQzMyeDBVc1hURmRmVDFocllXaE92U2hXTg?oc=5) · The Business Press
- 2024-05-07 [Pinnacle Bank Texas buys Fort Worth's tallest tower at foreclosure auction - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSkxoaHZXc0VFT0Z2VkdGdGk2c19PT0ZScEJmT05UOGtBcjlJOEdKMzQzLUpqSTFUb2pKcVZiR09vNVVxaDBRZTNTd3BiTmZpLVk2SFA4SUwzNHprUVgyUXgtNGZPUWRuZGtsbjF4ZDZ0QnpzTk0yNDIxTU5aMDRuMU1yR0dHTE1NelhMaVItYzZ1eldDQU9obg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20231 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "20231", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide