Pinnacle Bank (Marshalltown, IA)
BankRegReports is independent of Pinnacle Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Pinnacle Bank is an FDIC-insured commercial bank headquartered in Marshalltown, IA, established in 1927 (FDIC certificate 252), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $324.4M, up 8.6% from Q2 2025, the 97th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 18.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 252
- Headquarters
- Marshalltown, IA
- Established
- 1927
- Total assets, Q2 2026
- $324.4M
- Assets vs Q2 2025
- +8.6%
- CET1 ratio, Q2 2026
- 18.22%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073920777
- Holding company
- IOWA RIVER BANCORP, INC.
- Asset rank in state
- 97th of 225 in Iowa
Pinnacle Bank runs leaner than most banks of its size. It reported $324 million in assets at June 30, 2026, up 8.6% from a year earlier. It spends about 41 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it carries problem assets equal to 11.6% of the capital and reserves that would absorb them, 4.4 times the median of 2.6% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.75% of loans from 2.17%. Earnings jumped: net income for the quarter was $1.4 million, 35% above the same quarter a year earlier. One more trend to watch: the commercial and industrial book ($26 million) is worsening: 1.00% of it is past due or on nonaccrual, up from 0.16% a year earlier.
As of June 30, 2026, Pinnacle Bank reported a CET1 capital ratio of 18.22%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.75% and a Texas ratio of 11.63%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pinnacle Bank is the 97th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets rose 3.6% to $324.4M, loans fell 0.8% and deposits fell 0.3%. Owner-occupied commercial real estate loans made up 30.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 25.7%. The FDIC Summary of Deposits lists a single office for it, in Marshalltown, IA. Judged on its Q2 2026 call report, Pinnacle Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2206 S Center St, Marshalltown, IA 50158
- County
- Marshall
- Metro Area
- Marshalltown, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 5, 1927
- Former names
- TSB Bank (2002-2005)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $268.2M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $246K
- Average total assets
- $320.6M
- Average total loans
- $211.9M
- Average interest-bearing deposits
- $224.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 252
- Fed RSSD
- 365745
- Website
- www.bankpinnacle.us →
- Parent Holding Company
- IOWA RIVER BANCORP, INC. (RSSD 3916317)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Pinnacle Bank's total assets moved between a low of $291.4M (Q4 2024) and a high of $324.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$324.4M total assets against $298.8M; $282.0M total liabilities against $262.5M.
$207.9M net loans and leases against $207.5M; $268.2M total deposits against $258.6M.
$69.5M securities against $56.1M; $24.3M cash and balances due against $15.3M.
$4.1M total interest income against $3.9M; $1.2M total interest expense against $1.4M.
$2.9M net interest income against $2.4M.
$586K total noninterest income against $502K; $1.4M total noninterest expense against $1.5M.
$106K provision for credit losses against $55K.
$1.4M net income against $1.1M.
1.81% return on assets against 1.43%; 3.93% net interest margin against 3.54%.
18.22% CET1 capital ratio against 16.98%; 14.66% tier 1 leverage ratio against 14.33%.
Inside the full Pinnacle Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePinnacle Bank rankings
Its closest position to the top of a national ranking is 228 of 3,606, for efficiency ratio; its furthest is 2,351 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.00% (Q4 2024) to 1.83% (Q3 2025) and its net interest margin ran from 2.61% (Q4 2024) to 4.00% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.22% | 1.81% | 0.75% | 11.63% | 3.93% |
| Q1 2026 | 17.97% | 1.63% | 1.98% | 11.29% | 3.64% |
| Q4 2025 | 17.17% | 1.47% | 2.05% | 11.83% | 3.67% |
| Q3 2025 | 17.06% | 1.83% | 2.04% | 11.83% | 4.00% |
| Q2 2025 | 16.98% | 1.43% | 2.17% | 13.62% | 3.54% |
| Q1 2025 | 16.53% | 1.27% | 2.23% | 14.39% | 3.29% |
| Q4 2024 | 16.63% | 0.00% | 0.21% | 1.38% | 2.61% |
| Q3 2024 | 16.06% | 1.29% | 1.50% | 9.18% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pinnacle Bank (main office) | Marshalltown , IA | 50158 | $268.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 107 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $592K approved, $592K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Pinnacle Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Pinnacle Bank
What are Pinnacle Bank's total assets?
As of the Q2 2026 filing, Pinnacle Bank reported total assets of $324.4 million in its FFIEC call report.
Where is Pinnacle Bank headquartered?
It is headquartered in Marshalltown, IA, United States.
When was Pinnacle Bank founded?
It was established in 1927, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #252). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pinnacle Bank?
Pinnacle Bank's primary federal regulator is the Federal Reserve.
What is Pinnacle Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pinnacle Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pinnacle Bank's Texas Ratio?
Its Texas Ratio is 11.63% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Pinnacle Bank previously called?
The charter now named Pinnacle Bank has also operated as TSB Bank (2002-2005), per FDIC structure-change records.
Go deeper on Pinnacle Bank.
Get an email when Pinnacle Bank files its next call report, and benchmark it against any peer you choose.
Unlock Pinnacle Bank, freeFree account