Pinnacle Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 28.7% in Q2 2026, from $47.4M to $61.0M. It was the largest change from Q1 2026 among the key lines here. Pinnacle Bank ranks 76th of 138 Nebraska banks on loan-to-deposit ratio, in the lower half at 83.99% (Q2 2026). Pinnacle Bank reported 83.99% on loan-to-deposit ratio for Q2 2026, 4.22 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $862.3M |
| Cash and noninterest-bearing balances to assets | 9.40% |
| Cash and securities | $2.16B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $61.0M |
| Other borrowed money | $29.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.99% |
| Net loans and leases to deposits | 83.04% |
| Loans and leases to core deposits | 90.80% |
| Core deposits to total deposits | 92.50% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 85.54% | 94.77% | $399.6M | $527.7M |
| Q4 2023 | 86.03% | 94.66% | $269.3M | $433.4M |
| Q1 2024 | 84.14% | 94.38% | $40.3M | $862.3M |
| Q2 2024 | 84.94% | 94.05% | $41.5M | $802.1M |
| Q3 2024 | 82.51% | 93.33% | $42.6M | $797.1M |
| Q4 2024 | 85.04% | 92.62% | $89.9M | $176.9M |
| Q1 2025 | 83.60% | 92.64% | $46.6M | $175.9M |
| Q2 2025 | 84.10% | 92.67% | $46.1M | $80.7M |
| Q3 2025 | 85.22% | 93.20% | $57.3M | $80.7M |
| Q4 2025 | 84.29% | 93.61% | $62.8M | $30.5M |
| Q1 2026 | 82.84% | 93.45% | $47.4M | $29.5M |
| Q2 2026 | 83.99% | 92.50% | $61.0M | $29.4M |
Pinnacle Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pinnacle Bank, freeSource: Call Report Schedules RC and RC-M, 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)