PINNACLE BANK
PINNACLE BANK is an FDIC-insured commercial bank headquartered in JASPER, AL, established in 1935. As of , 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 3.31%. CET1 capital ratio: 19.88%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.09%. Operates 7 domestic branches.
Capital & Liquidity
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 19.88% | 1.28% | 0.02% | 0.09% | 3.31% |
| 2025-09-30 | 20.32% | 1.23% | 0.00% | 0.00% | 3.22% |
| 2025-06-30 | 19.97% | 1.14% | 0.00% | 0.00% | 3.18% |
| 2025-03-31 | 18.86% | 1.19% | 0.00% | 0.00% | 3.21% |
| 2024-12-31 | 18.97% | 1.23% | 0.00% | 0.00% | 3.21% |
| 2024-09-30 | 18.78% | 1.25% | 0.00% | 0.00% | 3.26% |
| 2024-06-30 | 18.58% | 1.21% | 0.00% | 0.00% | 3.26% |
| 2024-03-31 | 18.68% | 1.17% | 0.00% | 0.00% | 3.12% |
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Frequently asked about PINNACLE BANK
What are Pinnacle Bank's total assets?
As of the Q4 2025 filing, Pinnacle Bank reported total assets of $363.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pinnacle Bank headquartered?
Pinnacle Bank is headquartered in JASPER, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Pinnacle Bank founded?
Pinnacle Bank was established in 1935, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. Pinnacle Bank is an FDIC-insured commercial bank (FDIC Certificate #29548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pinnacle Bank?
Pinnacle Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pinnacle Bank's CET1 capital ratio?
Pinnacle Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.88% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Pinnacle Bank operate?
Pinnacle Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Pinnacle Bank's Texas Ratio?
Pinnacle Bank's Texas Ratio is 0.09% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.