Pinnacle Bank
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
$384.5MAssets
$136.1MLoans
$355.0MDeposits
$23.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 95% of banks under $1B in assets operating in a single state (rank 40 of 746).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 728 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.3M · efficiency ratio beats 63% of banks under $1B in assets operating in a single state | 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 |