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Pinnacle Bank, Inc.

Vanceburg, KY · Cert 22355

State charter, non-member · FDIC · 3 branches

Q2 2026

$57.9MAssets
$37.2MLoans
$46.8MDeposits
$9.9MEquity
Loan mix
78%RE $28.7M13%C&I $4.8M9%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $35.7M24%Noninterest $11.1MQ2 2025Q2 2026

NIM

6.13%Q2 ’246.07%Q2 ’255.85%Q2 ’26-1%-2%

Non-interest income vs. expense

3.21%Q2 ’243.04%Q2 ’253.16%Q2 ’26-13%+22%

Executive Summary

  • Earnings: ROA of 0.55%, down 63 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 1.74% of loans (+137 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 15.67%, down 48 bps from a year ago.
  • Funding: loans stand at 79.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.55%-63 bps YoY

Net Interest Margin (quarter, annualized)

4.00%-10 bps YoY

Efficiency Ratio (quarter, annualized)

76.25%+1,082 bps YoY

Tier 1 Leverage Ratio

15.67%-48 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.00%0.59%0.31%0.55%-63 bps
Return on Equity6.83%5.79%3.49%1.84%3.26%-357 bps
Net Interest Margin4.10%4.19%4.01%3.81%4.00%-10 bps
Efficiency Ratio65.43%66.89%75.91%75.00%76.25%+1,082 bps
Non-Interest Burden2.41%2.67%2.85%2.70%2.93%+53 bps
Growth
Asset Growth (YoY)3.15%7.35%6.40%4.38%4.04%+88 bps
Loan Growth (YoY)3.32%10.26%21.12%17.32%7.90%+458 bps
Deposit Growth (YoY)7.79%15.57%13.38%6.72%6.63%-116 bps
Asset Quality
Nonperforming Loans / Loans0.37%2.25%2.42%3.06%1.74%+137 bps
Net Charge-Offs / Loans1.56%-0.03%0.09%1.92%0.01%-154 bps
Allowance / Loans1.26%1.26%1.28%1.07%1.20%-6 bps
Allowance Coverage of NPLs3.4x0.6x0.5x0.3x0.7x-2.8x
Capital
Tier 1 Leverage Ratio16.16%16.37%15.89%15.37%15.67%-48 bps
Total Risk-Based Capital16.16%16.37%15.89%15.37%15.67%-48 bps
Equity / Assets17.44%17.12%16.60%16.86%17.04%-41 bps
Liquidity & Funding
Loans / Deposits78.44%77.61%77.74%79.70%79.37%+93 bps
Liquid Assets / Assets0.04%8.47%2.72%1.10%3.09%+305 bps
CRE / Total Capitaln/a165.64%182.32%172.46%n/an/a