Pinnacle Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 15.10 percentage points higher than in Q1 2026, at 228.11%. Within California, Pinnacle Bank is 97th of 114 on loan-to-deposit ratio, 71.13% as of Q2 2026, below the middle of the field. Pinnacle Bank reported 71.13% on loan-to-deposit ratio for Q2 2026, 9.70 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $576.4M |
| Net loans and leases | $569.1M |
| Loans held for sale | $0 |
| Loans to total assets | 61.52% |
| Loan-to-deposit ratio | 71.13% |
| Net loans to equity capital | 5.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 79.79% |
| Multifamily (5+ residential) | 3.09% |
| Commercial and industrial | 7.90% |
| Consumer | 0.04% |
| Credit cards | 0.00% |
| Farm | 1.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 228.11% |
| Construction concentration (Tier 1 capital + allowance) | 3.67% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.20% |
| Interest income on loans | $8.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $532.9M | $746.6M | 73.34% | 14.03% | 0.06% |
| Q4 2023 | $559.1M | $714.7M | 73.99% | 13.40% | 0.05% |
| Q1 2024 | $571.9M | $727.4M | 73.87% | 12.80% | 0.03% |
| Q2 2024 | $592.9M | $740.9M | 74.85% | 12.40% | 0.03% |
| Q3 2024 | $610.2M | $780.9M | 76.91% | 10.83% | 0.03% |
| Q4 2024 | $596.5M | $732.2M | 76.00% | 10.87% | 0.03% |
| Q1 2025 | $572.9M | $775.0M | 77.35% | 10.25% | 0.05% |
| Q2 2025 | $565.5M | $759.3M | 78.11% | 9.74% | 0.04% |
| Q3 2025 | $565.3M | $785.0M | 78.84% | 9.36% | 0.04% |
| Q4 2025 | $580.6M | $765.8M | 79.09% | 8.86% | 0.03% |
| Q1 2026 | $566.9M | $823.5M | 79.59% | 7.97% | 0.33% |
| Q2 2026 | $576.4M | $810.3M | 79.79% | 7.90% | 0.04% |
Pinnacle Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedule RC-C, 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 58297) · FFIEC NIC profile (RSSD 3455227)