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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

4.44%Q2 ’244.06%Q2 ’254.18%Q2 ’26-11%+1%

Non-interest income vs. expense

2.42%Q2 ’242.19%Q2 ’252.07%Q2 ’26-9%-8%

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 1.10%, down 4 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

1.10%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+4 bps YoY

Efficiency Ratio (quarter, annualized)

57.98%-401 bps YoY

Tier 1 Leverage Ratio

11.30%+17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.23%1.28%1.18%1.10%-4 bps
Return on Equity24.98%24.11%22.00%20.56%19.03%-595 bps
Net Interest Margin2.98%3.04%3.10%3.05%3.02%+4 bps
Efficiency Ratio61.98%60.17%60.82%61.22%57.98%-401 bps
Non-Interest Burden1.64%1.61%1.66%1.65%1.52%-12 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 / Loans0.02%-0.02%0.80%0.11%-0.02%-4 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