Loading bank profile
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 is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: PINNACLE BANK reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Common equity tier 1 ratio: PINNACLE BANK reported 0.121, in the 25.0th percentile of 673 peers, where the median is 0.135. Selected CRE loans to gross loans and leases: PINNACLE BANK reported 0.539, in the 69.1th percentile of 862 peers, where the median is 0.468. Selected CRE loans to total capital: PINNACLE BANK reported 3.781, in the 77.1th percentile of 659 peers, where the median is 2.970. Domestic secured CRE noncurrent ratio: PINNACLE BANK reported 0.007, in the 66.7th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: PINNACLE BANK reported 0.868, in the 66.4th percentile of 902 peers, where the median is 0.850. Unadjusted YTD efficiency ratio: PINNACLE BANK reported 0.692, in the 76.9th percentile of 887 peers, where the median is 0.596. Bank equity to assets: PINNACLE BANK reported 0.123, in the 77.7th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: PINNACLE BANK reported 0.181, in the 38.4th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: PINNACLE BANK reported 0.704, in the 100.0th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: PINNACLE BANK reported 0.739, in the 53.2th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: PINNACLE BANK reported 0.863, in the 44.8th percentile of 890 peers, where the median is 0.881. Net interest margin: PINNACLE BANK reported 4.965, in the 94.7th percentile of 902 peers, where the median is 3.704. Net loans and leases: PINNACLE BANK reported 2946892.000, in the 81.8th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: PINNACLE BANK reported 0.005, in the 52.7th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: PINNACLE BANK reported 0.005, in the 49.0th percentile of 887 peers, where the median is 0.005. Return on assets: PINNACLE BANK reported 1.331, in the 57.6th percentile of 902 peers, where the median is 1.260. Return on equity: PINNACLE BANK reported 12.220, in the 50.3th percentile of 894 peers, where the median is 12.185. Securities to assets: PINNACLE BANK reported 0.127, in the 42.2th percentile of 895 peers, where the median is 0.147. Selected unused commitments to assets: PINNACLE BANK reported 0.025, in the 50.0th percentile of 417 peers, where the median is 0.025. Time deposits maturing within one year: PINNACLE BANK reported 0.955, in the 73.9th percentile of 880 peers, where the median is 0.914. Total assets: PINNACLE BANK reported 3985347.000, in the 80.0th percentile of 902 peers, where the median is 2016575.000. Total deposits: PINNACLE BANK reported 3459158.000, in the 81.5th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): PINNACLE BANK reported 0.685, in the 76.7th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): PINNACLE BANK reported 0.045, in the 89.5th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: PINNACLE BANK reported 0.053, in the 51.7th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: PINNACLE BANK reported 0.011, in the 11.3th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: PINNACLE BANK reported 0.041, in the 86.3th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: PINNACLE BANK reported 0.011, in the 83.9th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: PINNACLE BANK reported 0.036, in the 90.8th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: PINNACLE BANK reported 0.000, in the 29.1th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: PINNACLE BANK reported 0.016, in the 49.2th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: PINNACLE BANK reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: PINNACLE BANK reported 0.016, in the 48.3th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: PINNACLE BANK reported 0.012, in the 43.6th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: PINNACLE BANK reported 0.012, in the 45.3th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: PINNACLE BANK reported 0.919, in the 8.2th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: PINNACLE BANK reported 0.607, in the 11.9th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: PINNACLE BANK reported 0.057, in the 63.8th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: PINNACLE BANK reported 0.045, in the 89.4th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: PINNACLE BANK reported 0.001, in the 60.7th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: PINNACLE BANK reported 0.004, in the 59.7th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: PINNACLE BANK reported 0.852, in the 45.3th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: PINNACLE BANK reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: PINNACLE BANK reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: PINNACLE BANK reported 0.000, in the 89.7th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): PINNACLE BANK reported 0.017, in the 45.4th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): PINNACLE BANK reported 0.012, in the 43.7th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): PINNACLE BANK reported 0.078, in the 18.2th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: PINNACLE BANK reported 0.206, in the 17.6th percentile of 829 peers, where the median is 0.310.
Peer history below covers 27 quarters of PINNACLE BANK's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Common equity tier 1 ratio | 0.121 | 0.135 | 25.0th | 673 |
| Selected CRE loans to gross loans and leases | 0.539 | 0.468 | 69.1th | 862 |
| Selected CRE loans to total capital | 3.781 | 2.970 | 77.1th | 659 |
| Domestic secured CRE noncurrent ratio | 0.007 | 0.003 | 66.7th | 872 |
| Deposit funding ratio | 0.868 | 0.850 | 66.4th | 902 |
| Unadjusted YTD efficiency ratio | 0.692 | 0.596 | 76.9th | 887 |
| Bank equity to assets | 0.123 | 0.104 | 77.7th | 894 |
| Cash and securities to assets | 0.181 | 0.208 | 38.4th | 895 |
| Quarterly loan growth | 0.704 | 0.018 | 100.0th | 886 |
| Loan-to-asset ratio | 0.739 | 0.732 | 53.2th | 902 |
| Domestic loans to domestic deposits | 0.863 | 0.881 | 44.8th | 890 |
| Net interest margin | 4.965 | 3.704 | 94.7th | 902 |
| Net loans and leases | 2946892.000 | 1384981.000 | 81.8th | 902 |
| Nonaccrual loans ratio | 0.005 | 0.005 | 52.7th | 887 |
| Noncurrent loans ratio | 0.005 | 0.005 | 49.0th | 887 |
| Return on assets | 1.331 | 1.260 | 57.6th | 902 |
| Return on equity | 12.220 | 12.185 | 50.3th | 894 |
| Securities to assets | 0.127 | 0.147 | 42.2th | 895 |
| Selected unused commitments to assets | 0.025 | 0.025 | 50.0th | 417 |
| Time deposits maturing within one year | 0.955 | 0.914 | 73.9th | 880 |
| Total assets | 3985347.000 | 2016575.000 | 80.0th | 902 |
| Total deposits | 3459158.000 | 1666886.000 | 81.5th | 902 |
| Efficiency ratio (official UBPR) | 0.685 | 0.591 | 76.7th | 875 |
| Net interest margin (official UBPR) | 0.045 | 0.036 | 89.5th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.053 | 0.052 | 51.7th | 875 |
| Interest Expense as a percent of Average Assets | 0.011 | 0.018 | 11.3th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.041 | 0.035 | 86.3th | 875 |
| Noninterest Income as a percent of Average Assets | 0.011 | 0.006 | 83.9th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.036 | 0.024 | 90.8th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.000 | 0.001 | 29.1th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.016 | 0.016 | 49.2th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.016 | 0.016 | 48.3th | 875 |
| Net Operating Income as a percent of Average Assets | 0.012 | 0.013 | 43.6th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.012 | 0.012 | 45.3th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.919 | 0.956 | 8.2th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.607 | 0.723 | 11.9th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.057 | 0.055 | 63.8th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.045 | 0.037 | 89.4th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.001 | 0.000 | 60.7th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.004 | 0.003 | 59.7th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.852 | 0.872 | 45.3th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 89.7th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.017 | 0.017 | 45.4th | 875 |
| Return on assets (official UBPR) | 0.012 | 0.013 | 43.7th | 875 |
| Return on equity (official UBPR) | 0.078 | 0.122 | 18.2th | 874 |
| Estimated uninsured to domestic deposits | 0.206 | 0.310 | 17.6th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | > P75 | — |
| Total depositsDEP | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | > P75 | — |
| Net loansLNLSNET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | > P75 | — |
| Return on assetsROA | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on equityROE | P25–75 | P25–75 | P25–75 | > P75 | > P75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net interest marginNIMY | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.