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 (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 | 0.89% | 1.16% | 0.92% | 1.10% | 1.21% | 1.10% | 1.15% | 2.34% | +124 bps | |
| Return on Equity | 10.74% | 13.93% | 10.94% | 12.62% | 14.10% | 13.34% | 14.36% | 29.46% | +1,683 bps | |
| Net Interest Margin | 3.59% | 3.63% | 3.70% | 3.96% | 3.98% | 3.96% | 3.87% | 3.99% | +3 bps | |
| Efficiency Ratio | 72.33% | 67.71% | 72.56% | 70.26% | 68.07% | 69.16% | 67.98% | 51.20% | -1,905 bps | |
| Non-Interest Burden | 2.41% | 2.13% | 2.51% | 2.55% | 2.47% | 2.53% | 2.42% | 0.97% | -158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.92% | 2.69% | 3.80% | 4.23% | 1.49% | 2.03% | 5.03% | 9.75% | +552 bps | |
| Loan Growth (YoY) | 8.74% | 10.97% | 10.56% | 8.41% | 7.55% | 3.97% | 2.95% | 3.07% | -534 bps | |
| Deposit Growth (YoY) | 0.34% | 1.98% | 2.82% | 3.24% | 1.81% | 2.14% | 6.14% | 10.84% | +760 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.22% | 0.14% | 0.13% | 0.18% | 0.20% | 0.20% | 0.19% | +5 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.04% | 0.00% | 0.02% | 0.01% | 0.06% | 0.04% | 0.09% | +7 bps | |
| Allowance / Loans | 0.71% | 0.71% | 0.71% | 0.71% | 0.71% | 0.71% | 0.71% | 0.71% | 0 bps | |
| Allowance Coverage of NPLs | 5.0x | 3.2x | 5.2x | 5.3x | 4.0x | 3.5x | 3.5x | 3.7x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.21% | 9.35% | 9.63% | 8.82% | 8.89% | 8.63% | 8.84% | -79 bps | |
| Total Risk-Based Capital | 13.53% | 13.52% | 13.65% | 13.93% | 12.91% | 13.18% | 13.06% | 13.76% | -17 bps | |
| Equity / Assets | 8.41% | 8.28% | 8.61% | 8.88% | 8.30% | 8.20% | 7.87% | 8.03% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.60% | 74.78% | 76.50% | 77.21% | 77.75% | 76.12% | 74.19% | 71.80% | -541 bps | |
| Liquid Assets / Assets | 9.27% | 9.42% | 9.41% | 9.97% | 9.09% | 10.33% | 10.29% | 11.84% | +187 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 338% | 329% | 325% | n/a | n/a | |