BanksPINNACLE BANK, INC

PINNACLE BANK, INC

VANCEBURG, KYMicroEst. Oct. 26, 1976, midnightFDIC #22355RSSD #417710FDIC
Latest · 2025-12-31

PINNACLE BANK, INC is an 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%. CET1 capital ratio: 14.89%, well above regulatory minimums. NPL ratio: 1.73% · Texas Ratio: 8.80%. Operates 3 domestic branches.

Assets
$59M
Deposits
$48M
Loans
$37M
Equity
$10M

Profitability

Return on Assets (ROA)0.59%
Return on Equity (ROE)3.49%
Net Interest Margin4.12%
Yield on Assets6.23%
Cost of Funds2.35%

Asset Quality

NPL Ratio1.73%
Net Charge-Off Ratio0.40%
Texas Ratio8.80%
NPA Ratio1.53%
ACL / Loans1.28%

Capital & Liquidity

CET1 Ratio14.89%
Tier 1 Capital14.89%
Total Capital Ratio15.63%
Leverage Ratio15.89%
Loan-to-Deposit77.74%

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