Pinnacle Bank Wyoming Safety Rating
Pinnacle Bank Wyoming's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #395 out of 3,960 FDIC-insured banks nationally (top 10%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Pinnacle Bank Wyoming's best component is Tier 1 capital (100/100) and its weakest is profitability (64/100).
This page answers a common banking-safety question: Pinnacle Bank Wyoming Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Pinnacle Bank Wyoming Safety Rating Breakdown
- Overall rating
- Grade A (94/100)
- National rank
- #395 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 91/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 64/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Pinnacle Bank Wyoming among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 10% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.46% | 100/100 |
| Nonperforming Loan Ratio | 0.47% | 91/100 |
| Liquidity Ratio | 37.81% | 100/100 |
| Return on Assets | 1.09% | 64/100 |
| Total Assets | $1.4B | |
How does Pinnacle Bank Wyoming compare?
With a Bank Health Score of 94/100, Pinnacle Bank Wyoming sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Wyoming, where 21 FDIC-insured banks are headquartered, Pinnacle Bank Wyoming ranks above the state average of 81/100 (Grade A).
The bank's Tier 1 capital ratio of 15.46% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.47% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Pinnacle Bank Wyoming's Bank Health Score held roughly steady at 94/100. Tier 1 capital was essentially flat at 15.46%. Quarter-over-quarter, the score rose by 1.0 points.
Frequently Asked Questions
Pinnacle Bank Wyoming's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #395 out of 3,960 FDIC-insured banks nationally (top 10%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Pinnacle Bank Wyoming's best component is Tier 1 capital (100/100) and its weakest is profitability (64/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Pinnacle Bank Wyoming: Tier 1 capital scores 100/100, loan quality 91/100, liquidity 100/100, and profitability 64/100 — combining to 94/100 (grade A).
Pinnacle Bank Wyoming's Bank Health Score of 94/100 is 13.0 points above the Wyoming state average of 81/100. 21 FDIC-insured banks are headquartered in Wyoming.
Yes. Pinnacle Bank Wyoming (FDIC certificate #2232) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Pinnacle Bank Wyoming
Pinnacle Bank Wyoming's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #395 out of 3,960 FDIC-insured banks nationally (top 10%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Pinnacle Bank Wyoming's best component is Tier 1 capital (100/100) and its weakest is profitability (64/100).