Pinnacle Bank, Inc.
Vanceburg, KY · Cert 22355 · Peer group: banks under $1B in assets in KY (n=69)
State charter, non-member · FDIC · 3 branches
Q2 2026
$57.9MAssets
$37.2MLoans
$46.8MDeposits
$9.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in KY (rank 7 of 69).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in KY (rank 69 of 69).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.43%
Rank 66 of 69
Net Interest Margin
3.92%
Rank 21 of 69
Efficiency Ratio
75.62%
Rank 59 of 69
Equity / Assets
17.04%
Rank 7 of 69
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 16% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.43% | 0.83% | 1.18% | 1.44% | Beats 4% | 66 / 69 | |
| Return on Equity | 2.53% | 7.64% | 11.70% | 15.70% | Beats 6% | 65 / 69 | |
| Net Interest Margin | 3.92% | 3.45% | 3.75% | 3.96% | Beats 70% | 21 / 69 | |
| Efficiency Ratio | 75.62% | 55.32% | 62.99% | 70.80% | Beats 16% | 59 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.74% | 0.18% | 0.52% | 1.14% | Beats 17% | 58 / 69 | |
| Net Charge-Offs / Loans | 0.50% | 0.01% | 0.02% | 0.06% | Beats 1% | 69 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 15.67% | 11.33% | 13.58% | 16.27% | Beats 65% | 24 / 69 | |
| Total Risk-Based Capital Ratio | 15.67% | 11.55% | 14.43% | 17.27% | Beats 61% | 27 / 69 | |
| Equity / Assets | 17.04% | 8.31% | 9.91% | 12.53% | Beats 90% | 7 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 79.37% | 71.40% | 81.07% | 88.03% | 43rd pctl | 39 / 69 | |
| Loans / Assets | 64.24% | 61.10% | 68.66% | 76.68% | 35th pctl | 45 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |