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Pinnacle Bank

Lincoln, NE · Cert 10634 · Pinnacle Bcorp Inc.

State charter, non-member · FDIC · 72 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pinnacle Bank

Lincoln, NE · Cert 10634 · Pinnacle Bcorp Inc.

State charter, non-member · FDIC · 3 affiliate banks · 72 branches (172 in holding)

Q2 2026

$9.2BAssets
$6.8BLoans
$8.1BDeposits
$888.8MEquity
Loan mix
89%RE $5.0B10%C&I $0.6B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $6.5B20%Noninterest $1.6BQ2 2025Q2 2026

NIM

4.38%Q2 ’244.56%Q2 ’254.75%Q2 ’26+33%+18%

Non-interest income vs. expense

1.65%Q2 ’241.69%Q2 ’251.66%Q2 ’26+0%-3%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 6.0% share · #5 of 77 inst. · $2.6B of $42.7B

4.9% Douglas
9.8% Lancaster
23.7% Sarpy
23.2% Dodge

Executive Summary

  • Earnings: ROA of 1.49%, up 35 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.07% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.92%, down 4 bps from a year ago.
  • Funding: loans stand at 83.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.49%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+48 bps YoY

Efficiency Ratio (YTD, annualized)

46.26%-817 bps YoY

Tier 1 Leverage Ratio

9.92%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.21%1.26%1.45%1.49%+35 bps
Return on Equity12.98%13.51%13.77%15.24%15.56%+258 bps
Net Interest Margin2.64%2.75%2.81%3.16%3.12%+48 bps
Efficiency Ratio54.43%52.53%51.75%47.43%46.26%-817 bps
Non-Interest Burden1.22%1.21%1.21%1.23%1.18%-4 bps
Growth
Asset Growth (YoY)-1.38%-4.01%7.03%7.81%7.86%+923 bps
Loan Growth (YoY)5.86%6.60%7.10%8.27%7.67%+181 bps
Deposit Growth (YoY)6.92%3.22%8.06%9.27%7.82%+90 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.08%0.05%0.16%0.07%-3 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%0 bps
Allowance / Loans1.14%1.13%1.10%1.11%1.12%-2 bps
Allowance Coverage of NPLs11.3x13.6x21.2x6.9x16.7x+5.4x
Capital
Tier 1 Leverage Ratio9.95%10.28%10.38%10.01%9.92%-4 bps
Total Risk-Based Capital13.21%13.41%13.47%13.20%13.48%+27 bps
Equity / Assets9.16%9.58%9.68%9.31%9.68%+52 bps
Liquidity & Funding
Loans / Deposits84.10%85.22%84.29%82.84%83.99%-11 bps
Liquid Assets / Assets2.27%3.29%6.07%7.95%8.01%+574 bps
CRE / Total Capitaln/a379%377%388%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pinnacle Bank

Lincoln, NE · Cert 10634 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Pinnacle Bcorp Inc.

State charter, non-member · FDIC · 3 affiliate banks · 72 branches (172 in holding)

Q2 2026

$9.2BAssets
$6.8BLoans
$8.1BDeposits
$888.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of banks $1B-$10B in assets operating regionally (rank 9 of 176).
  • Widest gap: net interest margin trails 84% of banks $1B-$10B in assets operating regionally (rank 147 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.47%

Rank 52 of 176

Net Interest Margin

3.12%

Rank 147 of 176

Efficiency Ratio

46.26%

Rank 19 of 176

Equity / Assets

9.68%

Rank 116 of 176

Non-interest income vs. expense

$45.9M$156.1MINCOMEEXPENSE
Unfavorable gap of $110.2M · efficiency ratio beats 90% of banks $1B-$10B in assets operating regionally
Bank 46.26%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.93%1.26%1.54%Beats 70%52 / 176
Return on Equity15.14%9.26%11.89%14.46%Beats 80%35 / 176
Net Interest Margin3.12%3.25%3.59%3.93%Beats 16%147 / 176
Efficiency Ratio46.26%52.79%59.55%67.66%Beats 90%19 / 176
Asset Quality
Nonperforming Loans / Loans0.07%0.30%0.64%1.32%Beats 95%9 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 84%30 / 176
Capital
Tier 1 Capital Ratio12.35%11.15%12.72%14.15%Beats 45%96 / 176
Total Risk-Based Capital Ratio13.48%11.81%13.63%15.33%Beats 48%91 / 176
Equity / Assets9.68%9.16%10.35%11.80%Beats 34%116 / 176
Liquidity & Funding
Loans / Deposits83.99%80.94%89.73%97.21%34th pctl117 / 176
Loans / Assets74.41%69.25%75.12%80.82%47th pctl94 / 176
Brokered Deposits / Depositsn/aNot reported for this institution