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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.90 percentage points lower than in Q1 2026, at 285.25%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.83B |
| Net loans and leases | $6.75B |
| Loans held for sale | $13.4M |
| Loans to total assets | 74.41% |
| Loan-to-deposit ratio | 83.99% |
| Net loans to equity capital | 7.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.98% |
| Multifamily (5+ residential) | 9.30% |
| Commercial and industrial | 8.79% |
| Consumer | 0.65% |
| Credit cards | 0.06% |
| Farm | 9.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 285.25% |
| Construction concentration (Tier 1 capital + allowance) | 82.28% |
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 | 6.04% |
| Interest income on loans | $102.0M |
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 | $5.71B | $6.68B | 30.95% | 8.22% | 1.04% |
| Q4 2023 | $5.86B | $6.81B | 30.77% | 8.42% | 0.97% |
| Q1 2024 | $5.90B | $7.01B | 31.11% | 8.67% | 0.93% |
| Q2 2024 | $5.99B | $7.05B | 31.42% | 8.91% | 0.86% |
| Q3 2024 | $6.03B | $7.30B | 31.22% | 7.70% | 0.84% |
| Q4 2024 | $6.17B | $7.26B | 30.62% | 8.02% | 0.79% |
| Q1 2025 | $6.22B | $7.44B | 30.59% | 8.14% | 0.75% |
| Q2 2025 | $6.34B | $7.54B | 29.64% | 8.75% | 0.71% |
| Q3 2025 | $6.43B | $7.54B | 29.06% | 8.35% | 0.69% |
| Q4 2025 | $6.61B | $7.84B | 28.78% | 8.81% | 0.64% |
| Q1 2026 | $6.74B | $8.13B | 28.55% | 8.69% | 0.62% |
| Q2 2026 | $6.83B | $8.13B | 29.98% | 8.79% | 0.65% |
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 10634) · FFIEC NIC profile (RSSD 913856)