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.
CRE concentration (Tier 1 capital + allowance) dropped 5.09 percentage points in Q2 2026, from 182.56% to 177.47%. It was the largest change from Q1 2026 among the key lines here. Pinnacle Bank ranks 132nd of 225 Iowa banks on loan-to-deposit ratio, in the lower half at 78.32% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; Pinnacle Bank reported 78.32% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $210.1M |
| Net loans and leases | $207.9M |
| Loans held for sale | $352K |
| Loans to total assets | 64.75% |
| Loan-to-deposit ratio | 78.32% |
| Net loans to equity capital | 4.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.47% |
| Multifamily (5+ residential) | 6.98% |
| Commercial and industrial | 12.43% |
| Consumer | 1.67% |
| Credit cards | 0.00% |
| Farm | 0.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 177.47% |
| Construction concentration (Tier 1 capital + allowance) | 111.24% |
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 | 6.25% |
| Interest income on loans | $3.3M |
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 | $205.9M | $258.7M | 36.21% | 21.07% | 2.14% |
| Q4 2023 | $219.5M | $262.5M | 37.00% | 20.41% | 2.01% |
| Q1 2024 | $220.7M | $260.0M | 36.09% | 20.38% | 2.06% |
| Q2 2024 | $211.7M | $253.8M | 35.45% | 22.42% | 2.16% |
| Q3 2024 | $211.8M | $254.5M | 34.14% | 24.23% | 2.11% |
| Q4 2024 | $207.5M | $246.4M | 39.21% | 16.35% | 2.00% |
| Q1 2025 | $208.3M | $259.5M | 38.36% | 15.98% | 1.95% |
| Q2 2025 | $209.6M | $258.6M | 38.91% | 16.53% | 1.86% |
| Q3 2025 | $210.7M | $272.3M | 40.88% | 16.95% | 1.65% |
| Q4 2025 | $211.4M | $263.4M | 38.95% | 17.40% | 1.55% |
| Q1 2026 | $211.7M | $269.0M | 38.10% | 12.79% | 1.59% |
| Q2 2026 | $210.1M | $268.2M | 38.47% | 12.43% | 1.67% |
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 252) · FFIEC NIC profile (RSSD 365745)