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Overview / Commentary
2000 Main Street
Torrington, WY 82240

Pinnacle Bank - Wyoming is headquartered in Torrington and is the largest bank in the state of Wyoming. It is also the 1,024th largest bank in the nation. It was established in 1918 and as of March of 2014, it had grown to 137 employees at 15 locations. Pinnacle Bank - Wyoming has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pinnacle Bank - Wyoming had $9.71 million in non-current loans and owned real-estate with $70.48 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Bank - Wyoming a Texas Ratio of 13.77% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Pinnacle Bank - Wyoming decreased slightly from 16.80% as of March 31, 2013 to 13.77% as of March 31, 2014, resulting in a positive change of 18.03%.This indicates that the balance sheet and financial strength for Pinnacle Bank - Wyoming has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, Pinnacle Bank - Wyoming has decreased its total deposits by -$6.98 million, resulting in -1.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pinnacle Bank - Wyoming has shown is average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pinnacle Bank - Wyoming has $666.39 million in assets with $70.48 million in equity, resulting in a capitalization level of 10.58%, which is above average.

Institution Statistics

Overall
FDIC Certificate #2232
Year Established1918
Employees137
Primary RegulatorFDIC
Assets and Liabilities
Assets$666.39 million
Loans$444.03 million
Deposits$568.79 million
Equity Capital$61.67 million
Loan Loss Allowance$8.82 million
Unbacked Noncurrent Loans$8.66 million
Real Estate Owned$1.04 million
Historic Data - March 2013
Assets$654.40 million
Equity Capital$60.10 million
Loan Loss Allowance$8.49 million
Unbacked Noncurrent Loans$8.66 million
Real Estate Owned$5.93 million
Profit Margin - Quarterly
Net Interest Margin3.85%
Return on Assets1.77%
Return on Equity18.95%
Interest Income$6.50 million
Rates

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Locations

Pinnacle Bank - Wyoming has 14 locations. Click to view all Pinnacle Bank - Wyoming locations.