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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.23% | 1.19% | 1.14% | 1.23% | 1.28% | 1.18% | 1.10% | -4 bps | |
| Return on Equity | 27.07% | 26.86% | 28.85% | 24.98% | 24.11% | 22.00% | 20.56% | 19.03% | -595 bps | |
| Net Interest Margin | 3.08% | 3.01% | 3.03% | 2.98% | 3.04% | 3.10% | 3.05% | 3.02% | +4 bps | |
| Efficiency Ratio | 59.74% | 58.90% | 60.94% | 61.98% | 60.17% | 60.82% | 61.22% | 57.98% | -401 bps | |
| Non-Interest Burden | 1.61% | 1.54% | 1.64% | 1.64% | 1.61% | 1.66% | 1.65% | 1.52% | -12 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 | -0.03% | 0.20% | 0.22% | 0.02% | -0.02% | 0.80% | 0.11% | -0.02% | -4 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 | |