PINNACLE BANK

ELBERTON, GA | Large | Est. March 12, 1934, midnight | FDIC #14065 | RSSD #366238 | FDIC
Latest Report: 2025-12-31

PINNACLE BANK is aln large FDIC-insured commercial bank headquartered in ELBERTON, GA, established in March 12, 1934, midnight. As of 2025-12-31, the bank reported total assets of $2.3B and total deposits of $2.0B. Profitability stands at 1.48% ROA and 15.21% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 11.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.96%. FDIC Certificate #14065.

Assets

$2.3B

Deposits

$2.0B

Loans

$1.7B

Equity

$223M

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 15.21%
Net Interest Margin (NIM) 4.47%
Yield on Assets 5.69%
Cost of Funds 1.34%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.96%
NPA Ratio 0.21%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 11.63%
Tier 1 Capital 11.63%
Total Capital Ratio 12.78%
Leverage Ratio 9.69%
Loan-to-Deposit 84.19%

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