Pinnacle Bank
Marshalltown, IA · Cert 252 · Peer group: banks under $1B in assets in IA (n=134-135) · Iowa River Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$324.4MAssets
$210.1MLoans
$268.2MDeposits
$42.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets in IA (rank 14 of 135).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in IA (rank 117 of 134).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.67%
Rank 17 of 135
Net Interest Margin
3.44%
Rank 63 of 135
Efficiency Ratio
43.40%
Rank 14 of 135
Equity / Assets
13.07%
Rank 34 of 135
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 90% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.92% | 1.19% | 1.47% | Beats 87% | 17 / 135 | | |
| Return on Equity | 12.80% | 7.99% | 10.26% | 13.14% | Beats 73% | 37 / 135 | | |
| Net Interest Margin | 3.44% | 2.95% | 3.41% | 3.73% | Beats 53% | 63 / 135 | | |
| Efficiency Ratio | 43.40% | 50.61% | 57.35% | 63.29% | Beats 90% | 14 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.03% | 0.51% | 1.26% | Beats 41% | 80 / 134 | | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.03% | Beats 13% | 117 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 18.22% | 11.23% | 13.31% | 15.45% | Beats 86% | 19 / 135 | | |
| Total Risk-Based Capital Ratio | 19.17% | 11.61% | 14.06% | 16.47% | Beats 86% | 19 / 135 | | |
| Equity / Assets | 13.07% | 9.87% | 11.05% | 13.07% | Beats 75% | 34 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.32% | 68.54% | 81.55% | 91.24% | 44th pctl | 75 / 134 | | |
| Loans / Assets | 64.75% | 57.61% | 68.06% | 76.23% | 44th pctl | 76 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |