Pinnacle Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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. Within Alabama, Pinnacle Bank is 55th of 93 on return on assets, 1.04% as of Q2 2026. Pinnacle Bank reported 1.04% on return on assets for Q2 2026, 0.21 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.01% |
| Tier 1 risk-based capital ratio | 20.01% |
| Total risk-based capital ratio | 20.89% |
| Tier 1 leverage ratio | 11.30% |
| Equity capital to assets | 5.99% |
| Tangible equity to tangible assets | 5.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.08% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 9580.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 19.03% |
| Net interest margin | 3.26% |
| Efficiency ratio | 57.42% |
| Yield on earning assets | 4.50% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.33% |
| Core deposits to total deposits | 84.39% |
| Brokered deposits to total deposits | 6.76% |
| Deposits to assets | 92.31% |
| Securities to assets | 48.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.82% | 17.82% | 18.99% | 11.20% | 1.43% |
| Q4 2023 | 18.12% | 18.12% | 19.29% | 11.56% | 1.22% |
| Q1 2024 | 18.68% | 18.68% | 19.84% | 11.34% | 1.15% |
| Q2 2024 | 18.58% | 18.58% | 19.71% | 11.63% | 1.21% |
| Q3 2024 | 18.78% | 18.78% | 19.90% | 10.73% | 1.15% |
| Q4 2024 | 18.97% | 18.97% | 20.05% | 11.09% | 1.15% |
| Q1 2025 | 18.86% | 18.86% | 19.89% | 10.96% | 1.09% |
| Q2 2025 | 19.97% | 19.97% | 21.03% | 11.13% | 1.06% |
| Q3 2025 | 20.32% | 20.32% | 21.39% | 11.21% | 1.13% |
| Q4 2025 | 19.88% | 19.88% | 20.79% | 11.55% | 1.20% |
| Q1 2026 | 19.46% | 19.46% | 20.32% | 11.37% | 1.12% |
| Q2 2026 | 20.01% | 20.01% | 20.89% | 11.30% | 1.04% |
Pinnacle Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)