Pinnacle Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 9.1% higher than in Q1 2026, at $1.2M. Within Alabama, Pinnacle Bank is 78th of 93 on net interest margin, 3.26% as of Q2 2026. Pinnacle Bank reported 3.26% on net interest margin for Q2 2026, 0.68 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.50% |
| Yield on loans | 7.09% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.11% | 0.86% | 3.30% | 6.49% | 2.68% |
| Q4 2023 | 4.21% | 1.03% | 3.23% | 6.54% | 2.67% |
| Q1 2024 | 4.21% | 1.14% | 3.14% | 6.61% | 2.67% |
| Q2 2024 | 4.36% | 1.15% | 3.28% | 6.98% | 2.67% |
| Q3 2024 | 4.43% | 1.22% | 3.29% | 6.94% | 2.68% |
| Q4 2024 | 4.36% | 1.17% | 3.23% | 6.88% | 2.73% |
| Q1 2025 | 4.33% | 1.17% | 3.24% | 6.74% | 2.73% |
| Q2 2025 | 4.33% | 1.22% | 3.19% | 6.81% | 2.79% |
| Q3 2025 | 4.43% | 1.27% | 3.25% | 7.02% | 2.83% |
| Q4 2025 | 4.49% | 1.25% | 3.33% | 7.14% | 2.88% |
| Q1 2026 | 4.44% | 1.23% | 3.28% | 7.11% | 2.92% |
| Q2 2026 | 4.50% | 1.31% | 3.26% | 7.09% | 3.01% |
Pinnacle Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedules RI and RC-K, 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)