Pinnacle Bank - Wyoming
Cody, Wyoming, Park County
$1.3B in total assets, the 867th largest of 4,309 US banks and 1st of 24 headquartered in Wyoming.
- FDIC certificate
- 2232
- Established
- 1918
- Owned by
- Pinnacle Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.wypinnbank.com
At a glance
Compared with 901 US banks 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 | $1.3B | 22% | $2.0B | |
| Loans | $934M | 27% | $1.4B | |
| Deposits | $1.2B | 28% | $1.7B | |
| Return on assets | 1.56% | 73% | 1.23% | |
| Net interest margin | 3.99% | 67% | 3.71% | |
| Efficiency ratio | 47.2% | 16% | 59.1% | |
| Equity to assets | 9.76% | 38% | 10.38% | |
| Loans to deposits | 80% | 30% | 88% |
Growth
Total assets grew 0.6% a year over the last 5 years and 6.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2000 | Pinnacle Bank Mitchell, NE | $34M |
| Oct 2000 | Pinnacle Bank Newcastle, WY, an affiliate under the same holding company | $29M |
| Oct 2000 | Pinnacle Bank Cody, WY, an affiliate under the same holding company | $140M |
| Apr 1999 | Frontier Bank of Laramie County Cheyenne, WY | $20M |
Where they operate
15 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Park County, WY | $382M | 34.3% | 2 of 7 |
| Goshen County, WY | $163M | 26.0% | 2 of 4 |
| Washakie County, WY | $123M | 37.1% | 1 of 4 |
| Weston County, WY | $93M | 30.3% | 2 of 3 |
| Laramie County, WY | $89M | 2.8% | 13 of 19 |
| Hot Springs County, WY | $88M | 45.9% | 1 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (15 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 15 | |||
| 2022 | Closed Cody | 0 | 1 | −1 | 14 |
| 2024 | Opened Laramie | 1 | 0 | +1 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 32% | |
| 1-4 family residential | 20% | 25% | |
| Farmland | 16% | 3% | |
| Business (C&I) | 8% | 14% | |
| Agricultural | 7% | 2% | |
| Construction and land | 7% | 8% | |
| Multifamily | 3% | 8% | |
| Consumer | 1% | 4% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 50% | 52% | |
| Noninterest-bearing | 26% | 21% | |
| Time deposits | 25% | 27% |
Brokered deposits are 0.0% of deposits (peers 6.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.26% | 0.51% |
| Net charge-offs, annualized | 0.01% | 0.04% |
| Reserves to loans | 1.25% | 1.15% |
| Leverage ratio | 10.69% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wyoming
Largest competitors in Park County, WY
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/pinnacle-wyoming