PINNACLE BANK, INC

VANCEBURG, KY | Micro | Est. Oct. 26, 1976, midnight | FDIC #22355 | RSSD #417710 | FDIC
Latest Report: 2025-12-31

PINNACLE BANK, INC is amn micro FDIC-insured commercial bank headquartered in VANCEBURG, KY, established in Oct. 26, 1976, midnight. As of 2025-12-31, the bank reported total assets of $59M and total deposits of $48M. Profitability stands at 0.59% ROA and 3.49% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 13.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.73% and a Texas Ratio of 8.80%. FDIC Certificate #22355.

Assets

$59M

Deposits

$48M

Loans

$37M

Equity

$10M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 3.49%
Net Interest Margin (NIM) 4.12%
Yield on Assets 6.23%
Cost of Funds 3.09%

Asset Quality

NPL Ratio 1.73%
Net Charge-Off Ratio 0.40%
Texas Ratio 8.80%
NPA Ratio 1.53%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 13.10%
Tier 1 Capital 13.10%
Total Capital Ratio 13.76%
Leverage Ratio 15.89%
Loan-to-Deposit 77.74%

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