Pinnacle Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital rose 7.5% from Q1 2026 to Q2 2026, ending at $23.0M against $21.4M. It was the largest change among the key lines on this page. Within Alabama, Pinnacle Bank is 5th of 36 on CET1 ratio, 20.01% as of Q2 2026. Pinnacle Bank reported 20.01% on CET1 ratio for Q2 2026, 4.93 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.01% |
| Tier 1 risk-based capital ratio | 20.01% |
| Total risk-based capital ratio | 20.89% |
| Tier 1 leverage ratio | 11.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $45.8M |
| Tier 1 capital | $45.8M |
| Total risk-based capital | $47.8M |
| Total equity capital | $23.0M |
| Risk-weighted assets | $228.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.99% |
| Tangible equity to tangible assets | 5.91% |
| Equity capital to average assets | 5.68% |
| Internal capital growth rate | 13.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9K |
| Common stock surplus | $8.0M |
| Retained earnings | $38.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.82% | 17.82% | 18.99% | 11.20% | $211.1M |
| Q4 2023 | 18.12% | 18.12% | 19.29% | 11.56% | $211.4M |
| Q1 2024 | 18.68% | 18.68% | 19.84% | 11.34% | $208.7M |
| Q2 2024 | 18.58% | 18.58% | 19.71% | 11.63% | $213.6M |
| Q3 2024 | 18.78% | 18.78% | 19.90% | 10.73% | $215.5M |
| Q4 2024 | 18.97% | 18.97% | 20.05% | 11.09% | $217.3M |
| Q1 2025 | 18.86% | 18.86% | 19.89% | 10.96% | $222.3M |
| Q2 2025 | 19.97% | 19.97% | 21.03% | 11.13% | $213.5M |
| Q3 2025 | 20.32% | 20.32% | 21.39% | 11.21% | $213.6M |
| Q4 2025 | 19.88% | 19.88% | 20.79% | 11.55% | $222.5M |
| Q1 2026 | 19.46% | 19.46% | 20.32% | 11.37% | $231.3M |
| Q2 2026 | 20.01% | 20.01% | 20.89% | 11.30% | $228.7M |
Pinnacle Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29548) · FFIEC NIC profile (RSSD 288376)