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
Unfavorable gap of $110.2M · efficiency ratio beats 90% of banks $1B-$10B in assets operating regionally | 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 |