PackageTrendsPeer
Letter portraitLegal landscape

Pinnacle Bank

Jasper, AL · Cert 29548 · Pinnacle Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

64

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Pinnacle Bank

Jasper, AL · Cert 29548 · Pinnacle Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$384.5MAssets
$136.1MLoans
$355.0MDeposits
$23.0MEquity
Loan mix
69%RE $87.1M27%C&I $33.6M4%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $253.8M29%Noninterest $101.2MQ2 2025Q2 2026

NIM

4.37%Q2 ’244.06%Q2 ’254.11%Q2 ’26-8%0%

Non-interest income vs. expense

2.38%Q2 ’242.18%Q2 ’252.11%Q2 ’26-7%-4%

Market Position · Birmingham, AL · 2026 SOD (annual) · 0.6% share · #22 of 49 inst. · $0.3B of $53.8B

23.7% Walker
0.1% Jefferson
5.4% Winston

Executive Summary

  • Earnings: ROA of 1.15%, down 2 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.30%, up 17 bps from a year ago.
  • Funding: loans stand at 38.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.00%-1 bps YoY

Efficiency Ratio (YTD, annualized)

59.58%-188 bps YoY

Tier 1 Leverage Ratio

11.30%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.19%1.21%1.18%1.15%-2 bps
Return on Equity27.29%25.76%24.70%20.56%19.64%-765 bps
Net Interest Margin3.01%3.00%3.05%3.05%3.00%-1 bps
Efficiency Ratio61.46%61.02%60.97%61.22%59.58%-188 bps
Non-Interest Burden1.64%1.62%1.64%1.65%1.57%-7 bps
Growth
Asset Growth (YoY)2.25%1.93%5.18%7.49%8.87%+662 bps
Loan Growth (YoY)2.64%-2.28%0.81%-1.27%5.95%+331 bps
Deposit Growth (YoY)5.63%3.47%4.13%6.03%7.16%+153 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.02%0.04%0.02%+2 bps
Net Charge-Offs / Loans0.13%0.08%0.26%0.11%0.05%-8 bps
Allowance / Loans1.77%1.77%1.52%1.46%1.48%-29 bps
Allowance Coverage of NPLsn/a20.3x91.5x33.7x95.8xn/a
Capital
Tier 1 Leverage Ratio11.13%11.21%11.55%11.37%11.30%+17 bps
Total Risk-Based Capital21.03%21.39%20.79%20.32%20.89%-14 bps
Equity / Assets4.60%5.61%5.99%5.55%5.99%+138 bps
Liquidity & Funding
Loans / Deposits38.77%38.99%39.69%38.04%38.33%-44 bps
Liquid Assets / Assets6.36%4.69%5.72%6.86%7.54%+118 bps
CRE / Total Capitaln/a111.66%115.73%124.14%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Pinnacle Bank

Jasper, AL · Cert 29548 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Pinnacle Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$384.5MAssets
$136.1MLoans
$355.0MDeposits
$23.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 94% of banks under $1B in assets operating in a single state (rank 42 of 752).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 735 of 752).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.13%

Rank 342 of 752

Net Interest Margin

3.00%

Rank 621 of 752

Efficiency Ratio

59.58%

Rank 275 of 752

Equity / Assets

5.99%

Rank 735 of 752

Non-interest income vs. expense

$2.2M$8.6MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state
Bank 59.58%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.72%1.07%1.45%Beats 55%342 / 752
Return on Equity18.83%6.78%10.58%13.65%Beats 94%42 / 752
Net Interest Margin3.00%3.18%3.69%4.17%Beats 17%621 / 752
Efficiency Ratio59.58%55.75%64.49%75.47%Beats 64%275 / 752
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.42%1.03%Beats 82%134 / 748
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 31%514 / 748
Capital
Tier 1 Capital Ratio20.01%11.55%13.75%17.60%Beats 83%129 / 752
Total Risk-Based Capital Ratio20.89%11.70%14.33%18.47%Beats 83%131 / 752
Equity / Assets5.99%8.93%10.56%13.13%Beats 2%735 / 752
Liquidity & Funding
Loans / Deposits38.33%62.23%78.64%91.26%4th pctl722 / 752
Loans / Assets35.39%54.61%67.41%76.47%5th pctl711 / 752
Brokered Deposits / Depositsn/aNot reported for this institution