BanksPINNACLE BANK

PINNACLE BANK

MARSHALLTOWN, IASmallEst. May 5, 1927, midnightFDIC #252RSSD #365745FED
Latest · 2025-12-31

PINNACLE BANK is an 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%. CET1 capital ratio: 17.17%, well above regulatory minimums. NPL ratio: 2.05% · Texas Ratio: 10.37%. Operates 1 domestic branch.

Assets
$307M
Deposits
$263M
Loans
$211M
Equity
$40M

Profitability

Return on Assets (ROA)1.50%
Return on Equity (ROE)11.86%
Net Interest Margin3.73%
Yield on Assets5.60%
Cost of Funds2.00%

Asset Quality

NPL Ratio2.05%
Net Charge-Off Ratio0.04%
Texas Ratio10.37%
NPA Ratio1.41%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio17.17%
Tier 1 Capital17.17%
Total Capital Ratio18.15%
Leverage Ratio13.99%
Loan-to-Deposit80.27%

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