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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.21% | 1.26% | 1.45% | 1.49% | +35 bps | |
| Return on Equity | 12.98% | 13.51% | 13.77% | 15.24% | 15.56% | +258 bps | |
| Net Interest Margin | 2.64% | 2.75% | 2.81% | 3.16% | 3.12% | +48 bps | |
| Efficiency Ratio | 54.43% | 52.53% | 51.75% | 47.43% | 46.26% | -817 bps | |
| Non-Interest Burden | 1.22% | 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 / Loans | 0.10% | 0.08% | 0.05% | 0.16% | 0.07% | -3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.14% | 1.13% | 1.10% | 1.11% | 1.12% | -2 bps | |
| Allowance Coverage of NPLs | 11.3x | 13.6x | 21.2x | 6.9x | 16.7x | +5.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.95% | 10.28% | 10.38% | 10.01% | 9.92% | -4 bps | |
| Total Risk-Based Capital | 13.21% | 13.41% | 13.47% | 13.20% | 13.48% | +27 bps | |
| Equity / Assets | 9.16% | 9.58% | 9.68% | 9.31% | 9.68% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.10% | 85.22% | 84.29% | 82.84% | 83.99% | -11 bps | |
| Liquid Assets / Assets | 2.27% | 3.29% | 6.07% | 7.95% | 8.01% | +574 bps | |
| CRE / Total Capital | n/a | 379% | 377% | 388% | n/a | n/a | |