Pinnacle Bank, Inc
Pinnacle Bank, Inc is an FDIC-insured commercial bank headquartered in Vanceburg, KY, supervised by the FDIC, with $57.7M in total assets at Q3 2026, down 0.5% from Q3 2025, the 114th largest of 120 banks headquartered in Kentucky. It was established in 1976 and holds FDIC certificate 22355. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.89% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
BankRegReports is independent of Pinnacle Bank, Inc and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22355
- Headquarters
- Vanceburg, KY
- Established
- 1976
- Total assets, Q3 2026
- $57.7M
- Assets vs Q3 2025
- -0.5%
- Tier 1 leverage ratio, Q3 2026
- 15.89%
- Domestic offices
- 3 branches
- Routing number
- 042101886
- Safety and soundness
- Is Pinnacle Bank, Inc safe?
- Latest call report
- Q3 2026, FFIEC 051 · Pinnacle Bank, Inc call report
- Asset rank in state
- 114th of 120 in Kentucky
Pinnacle Bank, Inc leans heavily on commercial real estate. The Vanceburg, Kentucky bank had $58 million in assets at September 30, 2026. It holds commercial real estate loans worth 1.3 times its capital, 3.9 times the median of 32% for the 526 banks with less than $100 million in assets. It also carries problem assets equal to 11.6% of the capital and reserves that would absorb them, 7.2 times the median of 1.6% for banks its size.
Earnings fell sharply: quarterly net income of $76,000 was 46% below a year earlier. Its $5.1 million commercial and industrial book is improving, with 0.55% past due or on nonaccrual, down from 4.45% a year earlier. Funding is the softer spot: it pays an average of 2.40% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.58%).
As of September 30, 2026, Pinnacle Bank, Inc reported a return on assets of 0.53%, a nonperforming-loan ratio of 2.26% and a Texas ratio of 11.59%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Pinnacle Bank, Inc is the 114th largest of the 120 banks headquartered in Kentucky. Between Q2 2026 and Q3 2026, its total assets fell 0.3% to $57.7M, loans fell 2.7% and deposits fell 0.2%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 36.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 24.4%. Its 3 offices in the FDIC Summary of Deposits are in Vanceburg, KY, Pikeville, KY and Garrison, KY; its Vanceburg office books 54% of its branch deposits. By the capital ratios in its Q3 2026 call report, Pinnacle Bank, Inc meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 230 S Mayo Trl, Vanceburg, KY 41501
- County
- Pike
- Metro Area
- Pikeville, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 26, 1976
- Former names
- First Community Bank (1997-2013)
- Domestic offices
- 3 branches
- Employees (FTE)
- 21
- Domestic deposits
- $46.7M
- Allowance for credit losses
- $469K
- Net charge-offs (YTD)
- $181K
- Average total assets
- $57.8M
- Average total loans
- $35.8M
- Average interest-bearing deposits
- $36.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 26, 1976
- FDIC Cert
- 22355
- Fed RSSD
- 417710
- Website
- www.pinnaclebank.co →
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Pinnacle Bank, Inc: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Pinnacle Bank, Inc reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Pinnacle Bank, Inc's total assets ran between $51.2M (Q4 2023) and $59.1M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$57.7M total assets against $58.0M; $48.0M total liabilities against $48.0M.
$35.7M net loans and leases against $35.9M; $46.7M total deposits against $46.8M.
$12.8M securities against $10.7M; $4.8M cash and balances due against $6.8M.
$857K total interest income against $855K; $282K total interest expense against $284K.
$575K net interest income against $571K.
$45K total noninterest income against $33K; $502K total noninterest expense against $404K.
$25K provision for credit losses against $20K.
$76K net income against $142K.
0.53% return on assets against 1.02%; 4.44% net interest margin against 4.56%.
15.89% tier 1 leverage ratio against 16.37%.
Inside the full Pinnacle Bank, Inc terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePinnacle Bank, Inc rankings
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.31% (Q1 2026) to 1.18% (Q2 2025) and its net interest margin ran from 4.06% (Q1 2025) to 4.56% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.89% | 0.53% | 2.26% | 11.59% | 4.44% |
| Q2 2026 | 15.67% | 0.55% | 1.74% | 9.73% | 4.36% |
| Q1 2026 | 15.37% | 0.31% | 3.06% | 15.65% | 4.15% |
| Q4 2025 | 15.89% | 0.61% | 2.42% | 12.77% | 4.35% |
| Q3 2025 | 16.37% | 1.02% | 2.25% | 11.77% | 4.56% |
| Q2 2025 | 16.16% | 1.18% | 0.37% | 4.49% | 4.39% |
| Q1 2025 | 16.14% | 0.76% | 1.32% | 6.70% | 4.06% |
| Q4 2024 | 15.89% | 0.82% | 1.48% | 7.36% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Pikeville Branch | Vanceburg , KY | 41179 | $25.1M |
| Pinnacle Bank, Inc. | Pikeville , KY | 41501 | $19.4M |
| Garrison Branch | Garrison , KY | 41141 | $2.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 6 against the institution (FDIC, OCC)
- January 8, 2025, FDIC: Assessment of Civil Money Penalty: Pinnacle Bank, Inc.
- July 25, 2008, FDIC: Cease and Desist / Consent Orders: FIRST COMMUNITY BANK
- July 9, 2007, FDIC: Cease and Desist / Consent Orders: FIRST COMMUNITY BANK
- October 3, 2005, FDIC: Cease and Desist / Consent Orders: FIRST COMMUNITY BANK
- October 4, 2004, FDIC: Cease and Desist / Consent Orders: FIRST COMMUNITY BANK
- Period: Most recent institution action January 8, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KY, rank 141 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $248K approved, $248K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
Frequently asked about Pinnacle Bank, Inc
What are Pinnacle Bank, Inc's total assets?
As of the Q3 2026 filing, Pinnacle Bank, Inc reported total assets of $57.7 million in its FFIEC call report.
Where is Pinnacle Bank, Inc headquartered?
It is headquartered in Vanceburg, KY, United States.
When was Pinnacle Bank, Inc founded?
It was established in 1976, per the FDIC institution directory.
Is Pinnacle Bank, Inc FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pinnacle Bank, Inc?
Pinnacle Bank, Inc's primary federal regulator is the FDIC.
How many branches does Pinnacle Bank, Inc operate?
It operates 3 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, Inc's Texas Ratio?
Its Texas Ratio is 11.59% in its Q3 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 nonperforming assets against the bank's capital and reserves.
What was Pinnacle Bank, Inc previously called?
The charter now named Pinnacle Bank, Inc has also operated as First Community Bank (1997-2013), per FDIC structure-change records.
Go deeper on Pinnacle Bank, Inc.
Get an email when Pinnacle Bank, Inc files its next call report, and benchmark it against any peer you choose.
Unlock Pinnacle Bank, Inc, freeFree account