Pinnacle Bank
Fort Worth, Texas, Tarrant County
$2.7B in total assets, the 484th largest of 4,309 US banks and 40th of 352 headquartered in Texas.
- FDIC certificate
- 20231
- Established
- 1970
- Owned by
- Pinnacle Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.pinnbanktx.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.7B | 66% | $2.2B | |
| Loans | $1.9B | 69% | $1.3B | |
| Deposits | $2.3B | 69% | $1.7B | |
| Return on assets | 1.32% | 36% | 1.54% | |
| Net interest margin | 3.79% | 40% | 3.96% | |
| Efficiency ratio | 49.5% | 25% | 57.5% | |
| Equity to assets | 13.21% | 86% | 10.59% | |
| Loans to deposits | 82% | 54% | 80% |
Growth
Total assets grew 7.0% a year over the last 5 years and 14.2% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2022 | Crockett National Bank San Antonio, TX | $568M |
| Apr 2017 | Woodhaven Bank Fort Worth, TX, an affiliate under the same holding company | $563M |
| Feb 2009 | First Bank Azle, TX, an affiliate under the same holding company | $249M |
Where they operate
28 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Tarrant County, TX | $1.2B | 1.8% | 10 of 74 |
| Johnson County, TX | $480M | 15.4% | 4 of 18 |
| Tom Green County, TX | $203M | 6.3% | 6 of 15 |
| Parker County, TX | $198M | 4.9% | 8 of 21 |
| Crockett County, TX | $82M | 41.9% | 2 of 2 |
| Bexar County, TX | $54M | 0.0% | 35 of 50 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 15 branches since 2016 (13 to 28, +115.4%). 5 opened, 14 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 13 | |||
| 2017 | Acquired Woodhaven BankOpened Keene, closed Fort Worth | 10 | 1 | +9 | 22 |
| 2019 | Opened MidlothianClosed Fort Worth | 1 | 1 | 0 | 22 |
| 2020 | Opened GranburyClosed Fort Worth | 1 | 1 | 0 | 22 |
| 2021 | Opened Rio Vista | 1 | 0 | +1 | 23 |
| 2022 | Acquired Crockett National BankOpened San Angelo | 6 | 0 | +6 | 29 |
| 2024 | Closed Arlington | 0 | 1 | −1 | 28 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 38% | |
| Construction and land | 22% | 13% | |
| 1-4 family residential | 14% | 20% | |
| Farmland | 11% | 3% | |
| Multifamily | 7% | 3% | |
| Business (C&I) | 4% | 15% | |
| Consumer | 0% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 48% | |
| Noninterest-bearing | 28% | 26% | |
| Time deposits | 12% | 26% |
Brokered deposits are 0.1% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.13% | 0.46% |
| Net charge-offs, annualized | 0.01% | 0.04% |
| Reserves to loans | 1.16% | 1.20% |
| Leverage ratio | 10.93% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Tarrant County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/pinnacle-bank-fort-worth-tx