Pinnacle Bank (Lincoln, NE): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Pinnacle Bank runs leaner than most banks of its size. Based in Lincoln, Nebraska, it had $9.2 billion in assets at June 30, 2026, up 7.9% from a year earlier. It spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also carries problem assets equal to 1.4% of the capital and reserves that would absorb them, about a third the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $35 million, 39% above the same quarter a year earlier. Delinquency has appeared in its $1.4 billion non-owner-occupied commercial real estate book: 1.71% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Pinnacle Bank reported a CET1 capital ratio of 12.35%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 1.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1401 N St, Lincoln, NE 68508
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1880
- Former names
- Bank of Papillion (1970-1995); Clarke Bank (1952-1970)
- Offices
- 72 domestic
- Employees (FTE)
- 939
- Domestic deposits
- $8.13B
- Allowance for credit losses
- $76.8M
- Net charge-offs (YTD)
- $107K
- Average total assets
- $9.38B
- Average total loans
- $6.79B
- Average interest-bearing deposits
- $6.66B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10634
- Fed RSSD
- 913856
- SEC CIK
- 1703383 → filed by PINNACLE BANCORP, INC.
- Website
- www.pinnbank.com →
- Parent Holding Company
- PINNACLE BANCORP, INC. (RSSD 1053272)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Pinnacle Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Pinnacle Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pinnacle Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.35% | 1.48% | 0.02% | 1.36% | 3.32% |
| Q1 2026 | 12.08% | 1.45% | 0.03% | 2.13% | 3.27% |
| Q4 2025 | 12.37% | 1.39% | 0.03% | 1.29% | 3.23% |
| Q3 2025 | 12.31% | 1.36% | 0.06% | 1.68% | 3.09% |
| Q2 2025 | 12.11% | 1.17% | 0.06% | 1.84% | 2.86% |
| Q1 2025 | 11.92% | 1.09% | 0.08% | 2.06% | 2.65% |
| Q4 2024 | 11.67% | 1.01% | 0.10% | 2.19% | 2.44% |
| Q3 2024 | 11.76% | 0.74% | 0.16% | 2.38% | 2.27% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 72 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dodge Branch | Elkhorn , NE | 68022 | $831.6M |
| Pinnacle Bank (main office) | Lincoln , NE | 68508 | $605.8M |
| Fremont Branch | Fremont , NE | 68025 | $431.6M |
| 10805 Q Street Branch | Omaha , NE | 68137 | $391.5M |
| 122 W Cedardale Rd Branch | Papillion , NE | 68046 | $323.4M |
| Columbus Branch | Columbus , NE | 68601 | $264.6M |
| Pinnacle Bank-Aurora Branch | Aurora , NE | 68818 | $232.5M |
| Pinelake Branch | Lincoln , NE | 68512 | $231.9M |
| 13131 W Dodge Rd Branch | Omaha , NE | 68154 | $221.2M |
| Pinnacle Bank - Kearney Branch | Kearney , NE | 68847 | $219.3M |
| GretnaVillage Square Branch | Gretna , NE | 68028 | $214.9M |
| Hastings State Branch | Hastings , NE | 68901 | $178.2M |
| Lake Lotawana Branch | Lake Lotawana , MO | 64086 | $178.1M |
| Pinnacle Bank-Schuyler Branch | Schuyler , NE | 68661 | $175.2M |
| Oneill Branch | Oneill , NE | 68763 | $172.1M |
| Pinnacle Bank-Lexington Branch | Lexington , NE | 68850 | $172.0M |
| Farmers and Merchants Bank Branch | Imperial , NE | 69033 | $162.7M |
| Beatrice Branch | Beatrice , NE | 68310 | $160.0M |
| 106 E 3rd Street Branch | Grand Island , NE | 68801 | $141.9M |
| Home State Bank Branch | Louisville , NE | 68037 | $136.3M |
| 201 East 2nd Street Branch | Ogallala , NE | 69153 | $134.8M |
| Joplin Branch | Joplin , MO | 64801 | $129.8M |
| Parkway Branch | Lincoln , NE | 68506 | $129.5M |
| Kansas-Abilene Branch | Abilene , KS | 67410 | $128.8M |
| Crete Branch | Crete , NE | 68333 | $125.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired Amfirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Structure Change | Acquired Home State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 20, 2012 | Structure Change | Acquired Hastings State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2012 | Structure Change | Acquired First State Bank of Joplin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2010 | Structure Change | Acquired American National Bank of Fremont Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 2007 | Structure Change | Acquired Farmers and Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 20, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 17, 2007 | Structure Change | Acquired Pinnacle Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 6, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 2003 | Structure Change | Acquired The First National Bank of Elwood Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 28, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2002 | Structure Change | Acquired The Wymore State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 2002 | Structure Change | Acquired The Beatrice National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 18, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 2000 | Structure Change | Acquired Pinnacle Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 23, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 23, 2000 | Structure Change | Acquired Pinnacle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 27, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 27, 2000 | Structure Change | Acquired Pinnacle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 3, 2000 | Structure Change | Acquired Crete State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 29, 2000 | Structure Change | Acquired Havelock Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 1999 | Structure Change | Acquired Pinnacle Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 1999 | Structure Change | Acquired Waverly Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 12, 1999 | Structure Change | Acquired Gretna State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 1989 | Structure Change | Acquired Bank of the Midlands Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 38 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Pinnacle Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 8.0% of deposits in NE, rank 2 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,739 applications, 3,183 loans originated, $1.02B originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Pinnacle Bank
What are Pinnacle Bank's total assets?
As of the Q2 2026 filing, Pinnacle Bank reported total assets of $9.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pinnacle Bank headquartered?
Pinnacle Bank is headquartered in Lincoln, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Pinnacle Bank founded?
Pinnacle Bank was established in 1880, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. Pinnacle Bank is an FDIC-insured commercial bank (FDIC Certificate #10634). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pinnacle Bank?
Pinnacle Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pinnacle Bank's CET1 capital ratio?
Pinnacle Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does Pinnacle Bank operate?
Pinnacle Bank operates 72 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pinnacle Bank's Texas Ratio?
Pinnacle Bank's Texas Ratio is 1.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Pinnacle Bank previously called?
The charter now named Pinnacle Bank has also operated as Bank of Papillion (1970-1995), Clarke Bank (1952-1970), per FDIC structure-change records.
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