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.
Loan-to-deposit ratio climbed 1.15 percentage points in Q2 2026, from 82.84% to 83.99%. It was the largest change from Q1 2026 among the key lines here. Pinnacle Bank ranks 58th of 138 Nebraska banks on return on assets, in the upper half at 1.48% (Q2 2026). Pinnacle Bank reported 1.48% on return on assets for Q2 2026, 0.21 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.35% |
| Tier 1 risk-based capital ratio | 12.35% |
| Total risk-based capital ratio | 13.48% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 9.68% |
| Tangible equity to tangible assets | 9.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.36% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 1670.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 16.02% |
| Net interest margin | 3.32% |
| Efficiency ratio | 44.91% |
| Yield on earning assets | 5.07% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.99% |
| Core deposits to total deposits | 92.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.60% |
| Securities to assets | 14.11% |
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 | 11.76% | 11.76% | 12.79% | 9.37% | 0.67% |
| Q4 2023 | 11.59% | 11.59% | 12.64% | 8.88% | 0.51% |
| Q1 2024 | 11.76% | 11.76% | 12.82% | 8.98% | 0.61% |
| Q2 2024 | 11.83% | 11.83% | 12.87% | 9.07% | 0.61% |
| Q3 2024 | 11.76% | 11.76% | 12.85% | 8.99% | 0.74% |
| Q4 2024 | 11.67% | 11.67% | 12.77% | 9.31% | 1.01% |
| Q1 2025 | 11.92% | 11.92% | 13.02% | 9.83% | 1.09% |
| Q2 2025 | 12.11% | 12.11% | 13.21% | 9.95% | 1.17% |
| Q3 2025 | 12.31% | 12.31% | 13.41% | 10.28% | 1.36% |
| Q4 2025 | 12.37% | 12.37% | 13.47% | 10.38% | 1.39% |
| Q1 2026 | 12.08% | 12.08% | 13.20% | 10.01% | 1.45% |
| Q2 2026 | 12.35% | 12.35% | 13.48% | 9.92% | 1.48% |
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 10634) · FFIEC NIC profile (RSSD 913856)