Pinnacle Bank (Lincoln, NE)
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Data as of · sourced from FFIEC call reports. How we update
Pinnacle Bank is an FDIC-insured commercial bank headquartered in Lincoln, NE, established in 1880 (FDIC certificate 10634), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $9.18B, up 7.9% from Q2 2025, the 3rd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.35% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10634
- Headquarters
- Lincoln, NE
- Established
- 1880
- Total assets, Q2 2026
- $9.18B
- Assets vs Q2 2025
- +7.9%
- CET1 ratio, Q2 2026
- 12.35%
- Domestic offices
- 72 FDIC institution directory, current count
- Routing number
- 104913912
- Latest call report
- Q2 2026, FFIEC 041 · Pinnacle Bank call report
- Holding company
- PINNACLE BANCORP, INC.
- Asset rank in state
- 3rd of 138 in Nebraska
Pinnacle Bank runs leaner than most banks of its size. Based in Lincoln, Nebraska, it had $9.2 billion in assets at June 30, 2026, up 7.9% from a year earlier. It spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also carries problem assets equal to 1.4% of the capital and reserves that would absorb them, about a third the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $35 million, 39% above the same quarter a year earlier. Delinquency has appeared in its $1.4 billion non-owner-occupied commercial real estate book: 1.71% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Pinnacle Bank reported a CET1 capital ratio of 12.35%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 1.36%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Pinnacle Bank is the 3rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $9.18B, loans rose 1.4% and deposits were flat. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 20.4% of total loans, ahead of 1-4 family residential loans at 13.0%. The FDIC Summary of Deposits lists 72 offices for it, in 44 cities across 3 states; its Lincoln 11 offices book 18% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pinnacle Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1401 N St, Lincoln, NE 68508
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1880
- Former names
- Bank of Papillion (1970-1995); Clarke Bank (1952-1970)
- Domestic offices
- 72 FDIC institution directory, current count
- Employees (FTE)
- 939
- Domestic deposits
- $8.13B
- Allowance for credit losses
- $76.8M
- Net charge-offs (YTD)
- $107K
- Average total assets
- $9.38B
- Average total loans
- $6.79B
- Average interest-bearing deposits
- $6.66B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10634
- Fed RSSD
- 913856
- SEC CIK
- 1703383 → filed by PINNACLE BANCORP, INC.
- Website
- www.pinnbank.com →
- Parent Holding Company
- PINNACLE BANCORP, INC. (RSSD 1053272)
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 $8.20B (Q4 2023) and a high of $9.18B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.18B total assets against $8.51B; $8.29B total liabilities against $7.73B.
$6.75B net loans and leases against $6.27B; $8.13B total deposits against $7.54B.
$1.29B securities against $1.64B; $862.3M cash and balances due against $338.2M.
$115.2M total interest income against $100.5M; $39.9M total interest expense against $41.5M.
$75.3M net interest income against $58.9M.
$11.8M total noninterest income against $10.7M; $39.3M total noninterest expense against $36.2M.
$2.7M provision for credit losses against $1.4M.
$34.8M net income against $25.0M.
1.48% return on assets against 1.17%; 3.32% net interest margin against 2.86%.
12.35% CET1 capital ratio against 12.11%; 9.92% tier 1 leverage ratio against 9.95%.
Inside the full Pinnacle Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pinnacle Bank rankings
Its closest position to the top of a national ranking is 173 of 4,196, for total assets; its furthest is 1,600 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q3 2024) to 1.48% (Q2 2026) and its net interest margin ran from 2.27% (Q3 2024) to 3.32% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.35% | 1.48% | 0.07% | 1.36% | 3.32% |
| Q1 2026 | 12.08% | 1.45% | 0.16% | 2.13% | 3.27% |
| Q4 2025 | 12.37% | 1.39% | 0.05% | 1.29% | 3.23% |
| Q3 2025 | 12.31% | 1.36% | 0.08% | 1.68% | 3.09% |
| Q2 2025 | 12.11% | 1.17% | 0.10% | 1.84% | 2.86% |
| Q1 2025 | 11.92% | 1.09% | 0.13% | 2.06% | 2.65% |
| Q4 2024 | 11.67% | 1.01% | 0.12% | 2.19% | 2.44% |
| Q3 2024 | 11.76% | 0.74% | 0.18% | 2.38% | 2.27% |
Swipe the table sideways to see every column.
Branch Network
View all 72 branches → 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 |
|---|---|---|---|
| Dodge Branch | Elkhorn , NE | 68022 | $831.6M |
| Pinnacle Bank (main office) | Lincoln , NE | 68508 | $605.8M |
| Fremont Branch | Fremont , NE | 68025 | $431.6M |
| 10805 Q Street Branch | Omaha , NE | 68137 | $391.5M |
| 122 W Cedardale Rd Branch | Papillion , NE | 68046 | $323.4M |
| Columbus Branch | Columbus , NE | 68601 | $264.6M |
| Pinnacle Bank-Aurora Branch | Aurora , NE | 68818 | $232.5M |
| Pinelake Branch | Lincoln , NE | 68512 | $231.9M |
| 13131 W Dodge Rd Branch | Omaha , NE | 68154 | $221.2M |
| Pinnacle Bank - Kearney Branch | Kearney , NE | 68847 | $219.3M |
| GretnaVillage Square Branch | Gretna , NE | 68028 | $214.9M |
| Hastings State Branch | Hastings , NE | 68901 | $178.2M |
| Lake Lotawana Branch | Lake Lotawana , MO | 64086 | $178.1M |
| Pinnacle Bank-Schuyler Branch | Schuyler , NE | 68661 | $175.2M |
| Oneill Branch | Oneill , NE | 68763 | $172.1M |
| Pinnacle Bank-Lexington Branch | Lexington , NE | 68850 | $172.0M |
| Farmers and Merchants Bank Branch | Imperial , NE | 69033 | $162.7M |
| Beatrice Branch | Beatrice , NE | 68310 | $160.0M |
| 106 E 3rd Street Branch | Grand Island , NE | 68801 | $141.9M |
| Home State Bank Branch | Louisville , NE | 68037 | $136.3M |
| 201 East 2nd Street Branch | Ogallala , NE | 69153 | $134.8M |
| Joplin Branch | Joplin , MO | 64801 | $129.8M |
| Parkway Branch | Lincoln , NE | 68506 | $129.5M |
| Kansas-Abilene Branch | Abilene , KS | 67410 | $128.8M |
| Crete Branch | Crete , NE | 68333 | $125.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired Amfirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Structure Change | Acquired Home State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 20, 2012 | Structure Change | Acquired Hastings State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2012 | Structure Change | Acquired First State Bank of Joplin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2010 | Structure Change | Acquired American National Bank of Fremont Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 25, 2007 | Structure Change | Acquired Farmers and Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 20, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 17, 2007 | Structure Change | Acquired Pinnacle Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 6, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 2003 | Structure Change | Acquired The First National Bank of Elwood Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 28, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2002 | Structure Change | Acquired The Wymore State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 2002 | Structure Change | Acquired The Beatrice National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 18, 2000 | Structure Change | Acquired Pinnacle Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 18, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 23, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 23, 2000 | Structure Change | Acquired Pinnacle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 27, 2000 | Structure Change | Acquired Pinnacle Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 27, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 3, 2000 | Structure Change | Acquired Crete State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 29, 2000 | Structure Change | Acquired Havelock Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 1999 | Structure Change | Acquired Pinnacle Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 1999 | Structure Change | Acquired Waverly Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1999 | Structure Change | Acquired Gretna State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 1989 | Structure Change | Acquired Bank of the Midlands Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 38 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 8.0% of deposits in NE, rank 2 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,739 applications, 3,183 loans originated, $1.02B originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pinnacle Bank
What are Pinnacle Bank's total assets?
As of the Q2 2026 filing, Pinnacle Bank reported total assets of $9.18 billion in its FFIEC call report.
Where is Pinnacle Bank headquartered?
It is headquartered in Lincoln, NE, United States.
When was Pinnacle Bank founded?
It was established in 1880, per the FDIC institution directory.
Is Pinnacle Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10634). 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 FDIC.
What is Pinnacle Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.35% in its Q2 2026 call report, above regulatory requirements.
How many branches does Pinnacle Bank operate?
It operates 72 domestic offices, 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 1.36% 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 Bank of Papillion (1970-1995), Clarke Bank (1952-1970), per FDIC structure-change records.
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