PINNACLE BANK

JASPER, AL | Small | Est. Nov. 1, 1935, midnight | FDIC #29548 | RSSD #288376 | FDIC
Latest Report: 2025-12-31

PINNACLE BANK is asn small FDIC-insured commercial bank headquartered in JASPER, AL, established in Nov. 1, 1935, midnight. As of 2025-12-31, the bank reported total assets of $364M and total deposits of $335M. Profitability stands at 1.28% ROA and 22.00% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 19.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.09%. FDIC Certificate #29548.

Assets

$364M

Deposits

$335M

Loans

$133M

Equity

$22M

Profitability

Return on Assets (ROA) 1.28%
Return on Equity (ROE) 22.00%
Net Interest Margin (NIM) 3.59%
Yield on Assets 4.85%
Cost of Funds 1.24%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.26%
Texas Ratio 0.09%
NPA Ratio 0.01%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 19.88%
Tier 1 Capital 19.88%
Total Capital Ratio 20.79%
Leverage Ratio 11.55%
Loan-to-Deposit 39.69%

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