Pinnacle Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Brokered deposits to total deposits dropped 1.63 percentage points in Q2 2026, from 8.39% to 6.76%. It was the largest change from Q1 2026 among the key lines here. Pinnacle Bank has the 7th lowest loan-to-deposit ratio of the 93 banks headquartered in Alabama, at 38.33% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, Pinnacle Bank reported 38.33% on loan-to-deposit ratio in Q2 2026, 42.22 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $32.1M |
| Cash and noninterest-bearing balances to assets | 8.35% |
| Cash and securities | $217.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.29% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.33% |
| Net loans and leases to deposits | 37.77% |
| Loans and leases to core deposits | 45.42% |
| Core deposits to total deposits | 84.39% |
| Brokered deposits to total deposits | 6.76% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 38.46% | 88.68% | $0 | $12.8M |
| Q4 2023 | 39.88% | 88.37% | $0 | $12.8M |
| Q1 2024 | 39.12% | 87.89% | $0 | $12.8M |
| Q2 2024 | 39.90% | 88.10% | $0 | $16.8M |
| Q3 2024 | 41.28% | 87.16% | $0 | $9.3M |
| Q4 2024 | 41.00% | 87.37% | $0 | $9.3M |
| Q1 2025 | 40.85% | 87.51% | $0 | $4.2M |
| Q2 2025 | 38.77% | 86.78% | $0 | $4.2M |
| Q3 2025 | 38.99% | 86.56% | $0 | $4.2M |
| Q4 2025 | 39.69% | 84.44% | $0 | $5.0M |
| Q1 2026 | 38.04% | 82.79% | $0 | $5.0M |
| Q2 2026 | 38.33% | 84.39% | $0 | $5.0M |
Pinnacle Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedules RC and RC-M, 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)