PINNACLE BANK

MARSHALLTOWN, IA | Small | Est. May 5, 1927, midnight | FDIC #252 | RSSD #365745 | FED
Latest Report: 2025-12-31

PINNACLE BANK is asn small FDIC-insured commercial bank headquartered in MARSHALLTOWN, IA, established in May 5, 1927, midnight. As of 2025-12-31, the bank reported total assets of $307M and total deposits of $263M. Profitability stands at 1.50% ROA and 11.86% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 17.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.05% and a Texas Ratio of 10.37%. FDIC Certificate #252.

Assets

$307M

Deposits

$263M

Loans

$211M

Equity

$40M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 11.86%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.60%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 2.05%
Net Charge-Off Ratio 0.04%
Texas Ratio 10.37%
NPA Ratio 1.41%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 17.17%
Tier 1 Capital 17.17%
Total Capital Ratio 18.15%
Leverage Ratio 13.99%
Loan-to-Deposit 80.27%

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