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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Pinnacle Bank

Fort Worth, Texas · $2.72B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

57.5%
CRE / loans
11th of 12
9.0x
Coverage of noncurrent
2nd of 11
351.7%
CRE / capital
10th of 12

Pinnacle Bank is the sixth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.72B in assets at 30 June 2026. Loans are 81.6% of deposits, 7th of 12 against a median of 78.6%, and equity is 13.2% of assets, 5th of 12. Loans grew +5.4% in the year, 4th of 12, and deposits grew 0.2%; the cohort's median loan growth is +1.1%.

Noncurrent loans are 0.13% of the book, 3rd of 12 against a median of 0.81%; 0.21% is 30 to 89 days past due, and the allowance covers them 9.0 times. Commercial real estate is 57.5% of loans, 11th of 12 against a median of 42.6%, and 352% of capital, above the 300% screen, with construction at 133% against the 100% screen.

Return on assets is 1.40%, 7th of 12 against a median of 1.50%, on an efficiency ratio of 52.3%, 6th of 12. Five years ago it was 1.17%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 13.5% of loans).

Commercial real estate, share of loansTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 42.6% WF Wells Fargo Bank S Central N.A. 0.0% EB Extraco Banks National Association 25.7% WT West Texas National Bank 27.2% JB Jefferson Bank 35.5% CN Community National Bank 35.8% HB Horizon Bank SSB 38.0% AF American First National Bank 47.1% AM American Momentum Bank 47.3% TR Texas Regional Bank 47.5% AN American National Bank & Trust 56.0% PB Pinnacle Bank 57.5% SB State Bank of Texas 98.8%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +1.1% TR Texas Regional Bank +12.5% AN American National Bank & Trust +8.0% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% WT West Texas National Bank +1.2% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% AF American First National Bank -0.0% CN Community National Bank -1.1% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

Pinnacle Bank is the 162nd largest 7(a) lender into Texas of 706, with $39M across 58 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 9 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Tarrant, TX$30M31st of 2810.8%quiet FY2020
Johnson, TX$3M26th of 1031.2%quiet FY2016
Dallas, TX$3M167th of 3140.1%quiet FY2015
Collin, TX$1M169th of 2610.1%quiet FY2013
Denton, TX$1M148th of 2240.1%quiet FY2013
Parker, TX$347K68th of 920.1%quiet FY2013
Travis, TX$337K206th of 2390.0%quiet FY2010
Ellis, TX$149K94th of 1030.1%quiet FY2019
Llano, TX$100K22nd of 240.4%quiet FY2017
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing8$9M24.0%0.02%482nd of 2,246
Health care & social assistance13$8M21.2%0.02%422nd of 2,172
Retail trade10$6M14.6%0.01%665th of 2,589
Other services10$5M12.3%0.01%554th of 2,248
Accommodation & food services6$4M10.6%0.01%894th of 2,596
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Pinnacle Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans PB Pinnacle Bank 0.1% $39M · 58 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Pinnacle BankRankCohort median
Total CRE against capital, the 300% screen352%10th of 12253%
Construction against capital, the 100% screen133%12th of 1257%
Construction and land development, share of loans21.7%12th of 1210.6%
Non-owner-occupied nonfarm nonresidential, share of loans28.4%9th of 1221.8%
Total CRE, the guidance definition, share of loans57.5%11th of 1242.6%
CRE growth over 36 months, the third prong+21.9%11th of 12+8.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Texas Regional Bank$2.95B0.3%88.8%0.59%0.07%1.1%72.4%9.2%
American First National Bank$2.89B2.1%38.1%0.42%0.08%1.1%98.8%14.2%
West Texas National Bank$2.88B1.6%46.5%1.67%0.88%1.9%58.6%10.2%
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Pinnacle BankCohort median
20212026Change20212026Change
Loans$1.08B$1.91B+77%$1.05B$1.85B+77%
Deposits$1.71B$2.34B+37%$1.66B$2.23B+34%
NPA / loans0.00%0.13%+0.13 pts0.46%0.81%+0.36 pts
Efficiency56.6%52.3%-4.3 pts63.0%52.4%-10.6 pts
ROA1.17%1.40%+0.24 pts1.12%1.50%+0.38 pts

This read was prepared for Pinnacle Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Pinnacle Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $1B to $3B
Institution www.pinnbanktx.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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