Pinnacle Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital rose 5.8% from Q1 2026 to Q2 2026, ending at $42.4M against $40.1M. It was the largest change among the key lines on this page. Pinnacle Bank ranks 17th of 114 Iowa banks on CET1 ratio, in the upper half at 18.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Pinnacle Bank sits 3.14 points higher, at 18.22% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.22% |
| Tier 1 risk-based capital ratio | 18.22% |
| Total risk-based capital ratio | 19.17% |
| Tier 1 leverage ratio | 14.66% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $46.4M |
| Tier 1 capital | $46.4M |
| Total risk-based capital | $48.9M |
| Total equity capital | $42.4M |
| Risk-weighted assets | $254.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.07% |
| Tangible equity to tangible assets | 11.70% |
| Equity capital to average assets | 13.23% |
| Internal capital growth rate | 14.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $516K |
| Common stock surplus | $16.4M |
| Retained earnings | $33.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.35% | 18.35% | 19.33% | 15.36% | $254.4M |
| Q4 2023 | 17.18% | 17.18% | 18.02% | 15.26% | $265.4M |
| Q1 2024 | 17.92% | 17.92% | 18.79% | 15.32% | $261.5M |
| Q2 2024 | 15.51% | 15.51% | 16.42% | 13.41% | $254.4M |
| Q3 2024 | 16.06% | 16.06% | 17.10% | 13.69% | $251.7M |
| Q4 2024 | 16.63% | 16.63% | 17.55% | 13.93% | $243.0M |
| Q1 2025 | 16.53% | 16.53% | 17.43% | 14.06% | $250.4M |
| Q2 2025 | 16.98% | 16.98% | 17.91% | 14.33% | $250.1M |
| Q3 2025 | 17.06% | 17.06% | 17.97% | 14.66% | $257.0M |
| Q4 2025 | 17.17% | 17.17% | 18.15% | 13.99% | $254.8M |
| Q1 2026 | 17.97% | 17.97% | 18.91% | 14.68% | $250.4M |
| Q2 2026 | 18.22% | 18.22% | 19.17% | 14.66% | $254.9M |
Pinnacle Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedule RC-R, 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 252) · FFIEC NIC profile (RSSD 365745)