Pinnacle Bank
Lincoln, NE · Cert 10634 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · 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 10 of 178).
- Widest gap: net interest margin trails 82% of banks $1B-$10B in assets operating regionally (rank 146 of 178).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.47%
Rank 52 of 178
Net Interest Margin
3.12%
Rank 146 of 178
Efficiency Ratio
46.26%
Rank 20 of 178
Equity / Assets
9.68%
Rank 115 of 178
Non-interest income vs. expense
Unfavorable gap of $110.2M · efficiency ratio beats 89% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.91% | 1.25% | 1.53% | Beats 71% | 52 / 178 | |
| Return on Equity | 15.14% | 9.18% | 11.89% | 14.44% | Beats 80% | 36 / 178 | |
| Net Interest Margin | 3.12% | 3.22% | 3.56% | 3.91% | Beats 18% | 146 / 178 | |
| Efficiency Ratio | 46.26% | 52.04% | 58.90% | 67.10% | Beats 89% | 20 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.29% | 0.60% | 1.26% | Beats 95% | 10 / 178 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 83% | 33 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 12.35% | 11.19% | 12.72% | 14.14% | Beats 46% | 97 / 178 | |
| Total Risk-Based Capital Ratio | 13.48% | 11.91% | 13.63% | 15.33% | Beats 48% | 92 / 178 | |
| Equity / Assets | 9.68% | 9.12% | 10.35% | 11.80% | Beats 35% | 115 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 83.99% | 80.94% | 89.92% | 97.12% | 34th pctl | 118 / 178 | |
| Loans / Assets | 74.41% | 69.25% | 75.52% | 80.96% | 46th pctl | 97 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |