Pinnacle Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 87.08 percentage points higher than in Q1 2026, at 137.16%. Within Iowa, Pinnacle Bank is 44th of 225 on return on assets, 1.81% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Pinnacle Bank sits 0.55 points higher, at 1.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.22% |
| Tier 1 risk-based capital ratio | 18.22% |
| Total risk-based capital ratio | 19.17% |
| Tier 1 leverage ratio | 14.66% |
| Equity capital to assets | 13.07% |
| Tangible equity to tangible assets | 11.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.75% |
| Non-performing assets ratio | 1.42% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 11.63% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 137.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 14.05% |
| Net interest margin | 3.93% |
| Efficiency ratio | 41.20% |
| Yield on earning assets | 5.53% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.32% |
| Core deposits to total deposits | 70.95% |
| Brokered deposits to total deposits | 15.93% |
| Deposits to assets | 82.67% |
| Securities to assets | 21.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.35% | 18.35% | 19.33% | 15.36% | 2.39% |
| Q4 2023 | 17.18% | 17.18% | 18.02% | 15.26% | 1.20% |
| Q1 2024 | 17.92% | 17.92% | 18.79% | 15.32% | 1.51% |
| Q2 2024 | 15.51% | 15.51% | 16.42% | 13.41% | 1.49% |
| Q3 2024 | 16.06% | 16.06% | 17.10% | 13.69% | 1.29% |
| Q4 2024 | 16.63% | 16.63% | 17.55% | 13.93% | 0.00% |
| Q1 2025 | 16.53% | 16.53% | 17.43% | 14.06% | 1.27% |
| Q2 2025 | 16.98% | 16.98% | 17.91% | 14.33% | 1.43% |
| Q3 2025 | 17.06% | 17.06% | 17.97% | 14.66% | 1.83% |
| Q4 2025 | 17.17% | 17.17% | 18.15% | 13.99% | 1.47% |
| Q1 2026 | 17.97% | 17.97% | 18.91% | 14.68% | 1.63% |
| Q2 2026 | 18.22% | 18.22% | 19.17% | 14.66% | 1.81% |
Pinnacle Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)