Lincoln, NE · Cert 10634 · Pinnacle Bcorp Inc.
State charter, non-member · FDIC · 72 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
42
Asset Quality
90
Profitability
55
Liquidity
67
Efficiency
90
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.
Lincoln, NE · Cert 10634 · Pinnacle Bcorp Inc.
State charter, non-member · FDIC · 3 affiliate banks · 72 branches (172 in holding)
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 6.0% share · #5 of 77 inst. · $2.6B of $42.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.76% | 1.09% | 1.14% | 1.21% | 1.26% | 1.45% | 1.49% | +35 bps | |
| Return on Equity | 8.72% | 9.74% | 12.79% | 12.98% | 13.51% | 13.77% | 15.24% | 15.56% | +258 bps | |
| Net Interest Margin | 2.04% | 2.16% | 2.56% | 2.64% | 2.75% | 2.81% | 3.16% | 3.12% | +48 bps | |
| Efficiency Ratio | 64.59% | 61.80% | 57.07% | 54.43% | 52.53% | 51.75% | 47.43% | 46.26% | -817 bps | |
| Non-Interest Burden | 1.16% | 1.14% | 1.26% | 1.22% | 1.21% | 1.21% | 1.23% | 1.18% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.26% | 0.93% | -1.81% | -1.38% | -4.01% | 7.03% | 7.81% | 7.86% | +923 bps | |
| Loan Growth (YoY) | 5.48% | 5.28% | 5.51% | 5.86% | 6.60% | 7.10% | 8.27% | 7.67% | +181 bps | |
| Deposit Growth (YoY) | 9.35% | 6.51% | 6.19% | 6.92% | 3.22% | 8.06% | 9.27% | 7.82% | +90 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.12% | 0.13% | 0.10% | 0.08% | 0.05% | 0.16% | 0.07% | -3 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.14% | 1.15% | 1.14% | 1.13% | 1.10% | 1.11% | 1.12% | -2 bps | |
| Allowance Coverage of NPLs | 6.3x | 9.7x | 9.2x | 11.3x | 13.6x | 21.2x | 6.9x | 16.7x | +5.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.99% | 9.31% | 9.83% | 9.95% | 10.28% | 10.38% | 10.01% | 9.92% | -4 bps | |
| Total Risk-Based Capital | 12.85% | 12.77% | 13.02% | 13.21% | 13.41% | 13.47% | 13.20% | 13.48% | +27 bps | |
| Equity / Assets | 7.87% | 8.39% | 8.73% | 9.16% | 9.58% | 9.68% | 9.31% | 9.68% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.51% | 85.04% | 83.60% | 84.10% | 85.22% | 84.29% | 82.84% | 83.99% | -11 bps | |
| Liquid Assets / Assets | 7.87% | 0.15% | 2.08% | 2.27% | 3.29% | 6.07% | 7.95% | 8.01% | +574 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 379% | 377% | 388% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.93% | 1.26% | 1.54% | Beats 70% | 52 / 176 | ||
| Return on Equity | 15.14% | 9.26% | 11.89% | 14.46% | Beats 80% | 35 / 176 | ||
| Net Interest Margin | 3.12% | 3.25% | 3.59% | 3.93% | Beats 16% | 147 / 176 | ||
| Efficiency Ratio | 46.26% | 52.79% | 59.55% | 67.66% | Beats 90% | 19 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.30% | 0.64% | 1.32% | Beats 95% | 9 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 84% | 30 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.35% | 11.15% | 12.72% | 14.15% | Beats 45% | 96 / 176 | ||
| Total Risk-Based Capital Ratio | 13.48% | 11.81% | 13.63% | 15.33% | Beats 48% | 91 / 176 | ||
| Equity / Assets | 9.68% | 9.16% | 10.35% | 11.80% | Beats 34% | 116 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.99% | 80.94% | 89.73% | 97.21% | 34th pctl | 117 / 176 | ||
| Loans / Assets | 74.41% | 69.25% | 75.12% | 80.82% | 47th pctl | 94 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||