Altavista, VA · Cert 6811 · Pinnacle Bankshares Corp.
National charter · OCC · 19 branches
Q2 2026
Market Position · Lynchburg, VA · 2026 SOD (annual) · 11.6% share · #4 of 17 inst. · $0.7B of $6.2B
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 | 1.01% | 1.08% | 1.08% | 1.15% | 1.76% | +74 bps | |
| Return on Equity | 11.80% | 12.68% | 12.80% | 14.36% | 21.85% | +1,006 bps | |
| Net Interest Margin | 3.84% | 3.87% | 3.84% | 3.87% | 3.86% | +2 bps | |
| Efficiency Ratio | 71.36% | 70.23% | 69.96% | 67.98% | 58.18% | -1,318 bps | |
| Non-Interest Burden | 2.54% | 2.50% | 2.47% | 2.42% | 1.65% | -89 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.23% | 1.49% | 2.03% | 5.03% | 9.75% | +552 bps | |
| Loan Growth (YoY) | 8.41% | 7.55% | 3.97% | 2.95% | 3.07% | -534 bps | |
| Deposit Growth (YoY) | 3.24% | 1.81% | 2.14% | 6.14% | 10.84% | +760 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.18% | 0.20% | 0.20% | 0.19% | +5 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.04% | 0.07% | +6 bps | |
| Allowance / Loans | 0.71% | 0.71% | 0.71% | 0.71% | 0.71% | 0 bps | |
| Allowance Coverage of NPLs | 5.3x | 4.0x | 3.5x | 3.5x | 3.7x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.63% | 8.82% | 8.89% | 8.63% | 8.84% | -79 bps | |
| Total Risk-Based Capital | 13.93% | 12.91% | 13.18% | 13.06% | 13.76% | -17 bps | |
| Equity / Assets | 8.88% | 8.30% | 8.20% | 7.87% | 8.03% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.21% | 77.75% | 76.12% | 74.19% | 71.80% | -541 bps | |
| Liquid Assets / Assets | 9.97% | 9.09% | 10.33% | 10.29% | 11.84% | +187 bps | |
| CRE / Total Capital | n/a | 338% | 329% | 325% | n/a | n/a | |