Jasper, AL · Cert 29548 · Pinnacle Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
57
Profitability
56
Liquidity
0
Efficiency
63
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.
Jasper, AL · Cert 29548 · Pinnacle Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.6% share · #22 of 49 inst. · $0.3B of $53.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.22% | 1.19% | 1.17% | 1.19% | 1.21% | 1.18% | 1.15% | -2 bps | |
| Return on Equity | 30.10% | 30.76% | 28.85% | 27.29% | 25.76% | 24.70% | 20.56% | 19.64% | -765 bps | |
| Net Interest Margin | 3.00% | 3.04% | 3.03% | 3.01% | 3.00% | 3.05% | 3.05% | 3.00% | -1 bps | |
| Efficiency Ratio | 60.71% | 60.26% | 60.94% | 61.46% | 61.02% | 60.97% | 61.22% | 59.58% | -188 bps | |
| Non-Interest Burden | 1.59% | 1.60% | 1.64% | 1.64% | 1.62% | 1.64% | 1.65% | 1.57% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.17% | 1.13% | 6.16% | 2.25% | 1.93% | 5.18% | 7.49% | 8.87% | +662 bps | |
| Loan Growth (YoY) | 7.85% | 5.07% | 12.69% | 2.64% | -2.28% | 0.81% | -1.27% | 5.95% | +331 bps | |
| Deposit Growth (YoY) | 0.48% | 2.20% | 7.90% | 5.63% | 3.47% | 4.13% | 6.03% | 7.16% | +153 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.02% | 0.04% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.08% | 0.22% | 0.13% | 0.08% | 0.26% | 0.11% | 0.05% | -8 bps | |
| Allowance / Loans | 1.84% | 1.78% | 1.65% | 1.77% | 1.77% | 1.52% | 1.46% | 1.48% | -29 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 20.3x | 91.5x | 33.7x | 95.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.73% | 11.09% | 10.96% | 11.13% | 11.21% | 11.55% | 11.37% | 11.30% | +17 bps | |
| Total Risk-Based Capital | 19.90% | 20.05% | 19.89% | 21.03% | 21.39% | 20.79% | 20.32% | 20.89% | -14 bps | |
| Equity / Assets | 5.46% | 3.72% | 4.51% | 4.60% | 5.61% | 5.99% | 5.55% | 5.99% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.28% | 41.00% | 40.85% | 38.77% | 38.99% | 39.69% | 38.04% | 38.33% | -44 bps | |
| Liquid Assets / Assets | 3.98% | 5.07% | 6.05% | 6.36% | 4.69% | 5.72% | 6.86% | 7.54% | +118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 111.66% | 115.73% | 124.14% | n/a | n/a | |
Jasper, AL · Cert 29548 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Pinnacle Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.13%
Rank 335 of 746
Net Interest Margin
3.00%
Rank 615 of 746
Efficiency Ratio
59.58%
Rank 275 of 746
Equity / Assets
5.99%
Rank 728 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.72% | 1.06% | 1.45% | Beats 55% | 335 / 746 | ||
| Return on Equity | 18.83% | 6.74% | 10.51% | 13.63% | Beats 95% | 40 / 746 | ||
| Net Interest Margin | 3.00% | 3.17% | 3.68% | 4.16% | Beats 18% | 615 / 746 | ||
| Efficiency Ratio | 59.58% | 55.74% | 64.58% | 75.47% | Beats 63% | 275 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.09% | 0.42% | 1.07% | Beats 82% | 135 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 31% | 517 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.01% | 11.55% | 13.75% | 17.60% | Beats 83% | 127 / 746 | ||
| Total Risk-Based Capital Ratio | 20.89% | 11.71% | 14.33% | 18.43% | Beats 83% | 129 / 746 | ||
| Equity / Assets | 5.99% | 8.90% | 10.51% | 13.06% | Beats 2% | 728 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.33% | 61.31% | 78.27% | 90.78% | 4th pctl | 714 / 746 | ||
| Loans / Assets | 35.39% | 53.60% | 66.97% | 76.08% | 6th pctl | 703 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||