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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.19% | 1.21% | 1.18% | 1.15% | -2 bps | |
| Return on Equity | 27.29% | 25.76% | 24.70% | 20.56% | 19.64% | -765 bps | |
| Net Interest Margin | 3.01% | 3.00% | 3.05% | 3.05% | 3.00% | -1 bps | |
| Efficiency Ratio | 61.46% | 61.02% | 60.97% | 61.22% | 59.58% | -188 bps | |
| Non-Interest Burden | 1.64% | 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 / Loans | 0.00% | 0.09% | 0.02% | 0.04% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.08% | 0.26% | 0.11% | 0.05% | -8 bps | |
| Allowance / Loans | 1.77% | 1.77% | 1.52% | 1.46% | 1.48% | -29 bps | |
| Allowance Coverage of NPLs | n/a | 20.3x | 91.5x | 33.7x | 95.8x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.13% | 11.21% | 11.55% | 11.37% | 11.30% | +17 bps | |
| Total Risk-Based Capital | 21.03% | 21.39% | 20.79% | 20.32% | 20.89% | -14 bps | |
| Equity / Assets | 4.60% | 5.61% | 5.99% | 5.55% | 5.99% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.77% | 38.99% | 39.69% | 38.04% | 38.33% | -44 bps | |
| Liquid Assets / Assets | 6.36% | 4.69% | 5.72% | 6.86% | 7.54% | +118 bps | |
| CRE / Total Capital | n/a | 111.66% | 115.73% | 124.14% | n/a | n/a | |