BanksPINNACLE BANK

PINNACLE BANK

ELBERTON, GALargeEst. March 12, 1934, midnightFDIC #14065RSSD #366238FDIC
Latest · 2025-12-31

PINNACLE BANK is an 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%. CET1 capital ratio: 11.63%, well above regulatory minimums. NPL ratio: 0.17% · Texas Ratio: 1.96%. Operates 26 domestic branches.

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 Margin4.47%
Yield on Assets5.69%
Cost of Funds1.27%

Asset Quality

NPL Ratio0.17%
Net Charge-Off Ratio0.05%
Texas Ratio1.96%
NPA Ratio0.21%
ACL / Loans1.24%

Capital & Liquidity

CET1 Ratio11.63%
Tier 1 Capital11.63%
Total Capital Ratio12.78%
Leverage Ratio9.69%
Loan-to-Deposit84.19%

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