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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elberton, GA · FDIC certificate #14065 · RSSD 366238
PINNACLE BANK is an FDIC-insured institution based in Elberton, GA (FDIC certificate #14065). In its Q3 2026 Call Report it reported total assets of $3.9B, total deposits of $3.3B and net loans of $3.0B. Its primary federal regulator is FDIC. Its current parent is VALLANT FINANCIAL, INC..
Plain-language readout
PINNACLE BANK has 27 quarters of reported history on file, from Q4 2019 to Q3 2026.
Total assets peaked at $4.0B in Q2 2026 and were lowest at $1.0B in Q4 2019.
Total deposits were highest at $3.5B in Q2 2026 and lowest at $908M in Q4 2019.
Over the whole period total assets rose 274.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $3.9B | $3.3B | $3.0B | 1.55% | 13.60% | 5.26% |
| Q2 2026 | $4.0B | $3.5B | $2.9B | 1.33% | 12.22% | 4.97% |
| Q1 2026 | $2.3B | $2.1B | $1.7B | 1.18% | 12.12% | 4.41% |
| Q4 2025 | $2.3B | $2.0B | $1.7B | 1.29% | 13.97% | 4.29% |
| Q3 2025 | $2.2B | $2.0B | $1.6B | 1.23% | 13.53% | 4.25% |
| Q2 2025 | $2.3B | $2.0B | $1.6B | 1.20% | 13.41% | 4.16% |
| Q1 2025 | $2.3B | $2.0B | $1.6B | 1.15% | 13.09% | 4.04% |
| Q4 2024 | $2.2B | $2.0B | $1.5B | 1.22% | 14.08% | 3.87% |
| Q3 2024 | $2.1B | $1.9B | $1.5B | 1.17% | 13.57% | 3.82% |
| Q2 2024 | $2.2B | $1.9B | $1.5B | 1.06% | 12.55% | 3.80% |
| Q1 2024 | $2.2B | $1.9B | $1.5B | 1.03% | 12.29% | 3.75% |
| Q4 2023 | $2.1B | $1.9B | $1.5B | 1.00% | 12.37% | 3.99% |
Recent activity
Deterministic, evidence-linked observations only — not a prediction, rating or recommendation. What counts as Notable.
ASSET asset-peer percentile moved 58.0 to 80.0
The peer population size changed. The percentile movement combines the bank’s observation and membership changes; it does not establish their separate effects. Prior n=905, current n=902; cohort versions 1 → 1.
Source ↗DEP asset-peer percentile moved 61.3 to 81.5
The peer population size changed. The percentile movement combines the bank’s observation and membership changes; it does not establish their separate effects. Prior n=905, current n=902; cohort versions 1 → 1.
Source ↗LNLSNET asset-peer percentile moved 60.5 to 81.8
The peer population size changed. The percentile movement combines the bank’s observation and membership changes; it does not establish their separate effects. Prior n=905, current n=902; cohort versions 1 → 1.
Source ↗NIC transformation 1
Pinnacle Bank changed deposits by $6.9M and market share by 0.178415 points in Columbia County, GA
Source ↗Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $3.9B | $3.3B | $3.0B | 1.55% | 13.60% | 5.26% |
| 2026-06-30 | $4.0B | $3.5B | $2.9B | 1.33% | 12.22% | 4.97% |
| 2026-03-31 | $2.3B | $2.1B | $1.7B | 1.18% | 12.12% | 4.41% |
| 2025-12-31 | $2.3B | $2.0B | $1.7B | 1.29% | 13.97% | 4.29% |
| 2025-09-30 | $2.2B | $2.0B | $1.6B | 1.23% | 13.53% | 4.25% |
| 2025-06-30 | $2.3B | $2.0B | $1.6B | 1.20% | 13.41% | 4.16% |
| 2025-03-31 | $2.3B | $2.0B | $1.6B | 1.15% | 13.09% | 4.04% |
| 2024-12-31 | $2.2B | $2.0B | $1.5B | 1.22% | 14.08% | 3.87% |
| 2024-09-30 | $2.1B | $1.9B | $1.5B | 1.17% | 13.57% | 3.82% |
| 2024-06-30 | $2.2B | $1.9B | $1.5B | 1.06% | 12.55% | 3.80% |
| 2024-03-31 | $2.2B | $1.9B | $1.5B | 1.03% | 12.29% | 3.75% |
| 2023-12-31 | $2.1B | $1.9B | $1.5B | 1.00% | 12.37% | 3.99% |
| 2023-09-30 | $2.1B | $1.8B | $1.5B | 1.00% | 12.58% | 4.07% |
| 2023-06-30 | $2.0B | $1.8B | $1.5B | 1.06% | 13.09% | 4.16% |
| 2023-03-31 | $2.1B | $1.8B | $1.4B | 1.16% | 14.37% | 4.28% |
| 2022-12-31 | $2.0B | $1.9B | $1.4B | 1.18% | 14.47% | 3.84% |
| 2022-09-30 | $2.0B | $1.8B | $1.4B | 1.15% | 13.98% | 3.68% |
| 2022-06-30 | $2.0B | $1.9B | $1.3B | 1.08% | 12.77% | 3.47% |
| 2022-03-31 | $2.1B | $1.9B | $1.2B | 1.01% | 11.52% | 3.31% |
| 2021-12-31 | $2.0B | $1.8B | $1.2B | 1.13% | 11.56% | 3.76% |
| 2021-09-30 | $1.7B | $1.5B | $1.1B | 1.16% | 11.73% | 3.85% |
| 2021-06-30 | $1.7B | $1.5B | $1.1B | 1.18% | 12.00% | 3.88% |
| 2021-03-31 | $1.6B | $1.4B | $1.1B | 1.19% | 12.05% | 3.89% |
| 2020-12-31 | $1.6B | $1.3B | $1.0B | 1.06% | 10.28% | 3.89% |
| 2020-09-30 | $1.5B | $1.2B | $1.1B | 1.02% | 9.70% | 3.92% |
| 2020-06-30 | $1.5B | $1.2B | $1.0B | 1.00% | 9.39% | 4.00% |
| 2019-12-31 | $1.0B | $908M | $690M | 1.30% | 11.51% | 4.39% |
Branch and geographic intelligence
FDIC branch-location snapshot dated 2026-08-22
| Market | State | Locations | Main offices | Earliest establishment |
|---|---|---|---|---|
| Gainesville | GA | 3 | 0 | Unavailable |
| Athens | GA | 2 | 0 | Unavailable |
| Augusta | GA | 2 | 0 | Unavailable |
| Dublin | GA | 2 | 0 | Unavailable |
| Elberton | GA | 2 | 1 | Unavailable |
| Monroe | GA | 2 | 0 | Unavailable |
| Royston | GA | 2 | 0 | Unavailable |
| Statesboro | GA | 2 | 0 | Unavailable |
| Warner Robins | GA | 2 | 0 | Unavailable |
| Blairsville | GA | 1 | 0 | Unavailable |
| Bowman | GA | 1 | 0 | Unavailable |
| Braselton | GA | 1 | 0 | Unavailable |
| Brooklet | GA | 1 | 0 | Unavailable |
| Clarkesville | GA | 1 | 0 | Unavailable |
| Commerce | GA | 1 | 0 | Unavailable |
| Cornelia | GA | 1 | 0 | Unavailable |
| Covington | GA | 1 | 0 | Unavailable |
| Dahlonega | GA | 1 | 0 | Unavailable |
| Gray | GA | 1 | 0 | Unavailable |
| Grovetown | GA | 1 | 0 | Unavailable |
Reviewed NIC structure change on 2026-04-01: RSSD 423739 → 366238 (1). The location count above reflects the current combined network and is not itself a measure of organic branch growth. 7 structure changes are on record for this entity; see History & events for the full list.
Branch locations reflect the latest registered FDIC location release, not real-time openings. Opening/closing attribution to organic growth vs. merger activity remains unavailable beyond the reviewed structure changes noted above. Annual deposit market share by state is available separately, below.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| GA | $2B | 0.57% | 20 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
VALLANT FINANCIAL, INC.RSSD 3145966 · 2003-01-01 to current
Unresolved entityRSSD 1084959 · 1983-09-01 to 2002-12-31
None matched.
2026-04-01RSSD 423739 → 366238 · code 1
2021-10-01RSSD 3386143 → 366238 · code 1
2020-04-01RSSD 3353266 → 366238 · code 1
2016-11-11RSSD 3824542 → 366238 · code 1
2007-08-01RSSD 428033 → 366238 · code 1
1998-01-01RSSD 297136 → 366238 · code 1
No reviewed revisions published.
Latest registered batch · retrieved Nov 13, 2026, 9:56 PM UTC · SHA-256 ed672d3d5db4d4a7219e7b578e217752940125a23284d56e2da0f5ecb1d0d536 · source ↗