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 4.7% from Q1 2026 to Q2 2026, ending at $888.8M against $848.6M. It was the largest change among the key lines on this page. Within Nebraska, Pinnacle Bank is 43rd of 57 on CET1 ratio, 12.35% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Pinnacle Bank sits 1.15 points lower, at 12.35% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.35% |
| Tier 1 risk-based capital ratio | 12.35% |
| Total risk-based capital ratio | 13.48% |
| Tier 1 leverage ratio | 9.92% |
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 | $928.1M |
| Tier 1 capital | $928.1M |
| Total risk-based capital | $1.01B |
| Total equity capital | $888.8M |
| Risk-weighted assets | $7.52B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.68% |
| Tangible equity to tangible assets | 9.46% |
| Equity capital to average assets | 9.48% |
| Internal capital growth rate | 16.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $30.0M |
| Common stock surplus | $67.5M |
| Retained earnings | $849.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$57.8M |
| 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 | 11.76% | 11.76% | 12.79% | 9.37% | $6.52B |
| Q4 2023 | 11.59% | 11.59% | 12.64% | 8.88% | $6.64B |
| Q1 2024 | 11.76% | 11.76% | 12.82% | 8.98% | $6.65B |
| Q2 2024 | 11.83% | 11.83% | 12.87% | 9.07% | $6.73B |
| Q3 2024 | 11.76% | 11.76% | 12.85% | 8.99% | $6.76B |
| Q4 2024 | 11.67% | 11.67% | 12.77% | 9.31% | $6.86B |
| Q1 2025 | 11.92% | 11.92% | 13.02% | 9.83% | $6.91B |
| Q2 2025 | 12.11% | 12.11% | 13.21% | 9.95% | $7.01B |
| Q3 2025 | 12.31% | 12.31% | 13.41% | 10.28% | $7.13B |
| Q4 2025 | 12.37% | 12.37% | 13.47% | 10.38% | $7.29B |
| Q1 2026 | 12.08% | 12.08% | 13.20% | 10.01% | $7.39B |
| Q2 2026 | 12.35% | 12.35% | 13.48% | 9.92% | $7.52B |
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 10634) · FFIEC NIC profile (RSSD 913856)