Pinnacle Bank (Jasper, AL)
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Data as of · sourced from FFIEC call reports. How we update
Pinnacle Bank is an FDIC-insured commercial bank headquartered in Jasper, AL, established in 1935 (FDIC certificate 29548), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $384.5M, up 8.9% from Q2 2025, the 40th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 20.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29548
- Headquarters
- Jasper, AL
- Established
- 1935
- Total assets, Q2 2026
- $384.5M
- Assets vs Q2 2025
- +8.9%
- CET1 ratio, Q2 2026
- 20.01%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 262287386
- Latest call report
- Q2 2026, FFIEC 041 · Pinnacle Bank call report
- Holding company
- PINNACLE BANCSHARES, INC.
- Asset rank in state
- 40th of 93 in Alabama
Pinnacle Bank, based in Jasper, Alabama, reported $385 million in assets at June 30, 2026, up 8.9% from a year earlier. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 19.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $31 million equal 68% of Tier 1 capital, down from 85% a year earlier. Its $19 million non-owner-occupied commercial real estate book is now fully current, after 1.36% of it was past due or on nonaccrual a year earlier. Its margin is thin by comparison: it keeps 3.26 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Pinnacle Bank reported a CET1 capital ratio of 20.01%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.08%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pinnacle Bank is the 40th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $384.5M, loans rose 0.1% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 22.4% of total loans, ahead of commercial and industrial loans at 22.2%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in AL; its Jasper 2 offices book 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pinnacle Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1811 2nd Ave, Jasper, AL 35501
- County
- Walker
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 1, 1935
- Former names
- First Federal of Alabama, FSB (1987-1996)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $355.0M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $405.2M
- Average total loans
- $135.5M
- Average interest-bearing deposits
- $253.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29548
- Fed RSSD
- 288376
- SEC CIK
- 1022243 → filed by PINNACLE BANCSHARES, INC.
- Website
- www.pinnaclebanc.com →
- Parent Holding Company
- PINNACLE BANCSHARES, INC. (RSSD 2520605)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Pinnacle Bank's total assets ran between $334.4M (Q3 2023) and $386.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$384.5M total assets against $353.2M; $361.5M total liabilities against $337.0M.
$134.1M net loans and leases against $126.2M; $355.0M total deposits against $331.2M.
$185.6M securities against $169.5M; $32.1M cash and balances due against $25.5M.
$4.2M total interest income against $3.9M; $1.2M total interest expense against $1.0M.
$3.1M net interest income against $2.9M.
$562K total noninterest income against $524K; $2.1M total noninterest expense against $2.1M.
$15K provision for credit losses against $0.
$1.1M net income against $1.0M.
1.04% return on assets against 1.06%; 3.26% net interest margin against 3.19%.
20.01% CET1 capital ratio against 19.97%; 11.30% tier 1 leverage ratio against 11.13%.
Inside the full Pinnacle Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePinnacle Bank rankings
Its closest position to the top of a national ranking is 333 of 2,134, for CET1 ratio; its furthest is 3,256 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.04% (Q2 2026) to 1.20% (Q4 2025) and its net interest margin ran from 3.19% (Q2 2025) to 3.33% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.01% | 1.04% | 0.02% | 0.08% | 3.26% |
| Q1 2026 | 19.46% | 1.12% | 0.04% | 0.26% | 3.28% |
| Q4 2025 | 19.88% | 1.20% | 0.02% | 0.09% | 3.33% |
| Q3 2025 | 20.32% | 1.13% | 0.09% | 0.51% | 3.25% |
| Q2 2025 | 19.97% | 1.06% | 0.00% | 0.00% | 3.19% |
| Q1 2025 | 18.86% | 1.09% | 0.00% | 0.00% | 3.24% |
| Q4 2024 | 18.97% | 1.15% | 0.00% | 0.00% | 3.23% |
| Q3 2024 | 18.78% | 1.15% | 0.00% | 0.00% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pinnacle Bank (main office) | Jasper , AL | 35501 | $255.6M |
| Bryan Road Branch | Sumiton , AL | 35148 | $37.9M |
| 1012 20th St Branch | Haleyville , AL | 35565 | $24.4M |
| Montgomery Highway Branch | Vestavia Hills , AL | 35216 | $21.0M |
| Gardendale Branch | Gardendale , AL | 35071 | $9.1M |
| Trussville Branch | Trussville , AL | 35173 | $7.0M |
| 78 Highway Drive Through | Jasper , AL | 35501 | $0 |
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 |
|---|---|---|---|
| October 31, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1983 | Structure Change | Acquired First FS&LA 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AL, rank 53 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $2.4M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $384.5 million in its FFIEC call report.
Where is Pinnacle Bank headquartered?
It is headquartered in Jasper, AL, United States.
When was Pinnacle Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29548). 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.
What is Pinnacle Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pinnacle Bank operate?
It operates 7 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?
Its Texas Ratio is 0.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Pinnacle Bank previously called?
The charter now named Pinnacle Bank has also operated as First Federal of Alabama, FSB (1987-1996), per FDIC structure-change records.
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