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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Jasper, AL · FDIC certificate #29548
PINNACLE BANK is an FDIC-insured institution based in Jasper, AL (FDIC certificate #29548). In its Q3 2026 Call Report it reported total assets of $378M, total deposits of $355M and net loans of $136M. Its primary federal regulator is FDIC.
Plain-language readout
PINNACLE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $386M in Q1 2026 and were lowest at $378M in Q3 2026.
Total deposits were highest at $357M in Q1 2026 and lowest at $355M in Q3 2026.
Over the whole period total assets fell 2.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $378M | $355M | $136M | 1.22% | 22.21% | 3.59% |
| Q2 2026 | $385M | $355M | $134M | 1.15% | 19.64% | 3.55% |
| Q1 2026 | $386M | $357M | $134M | 1.18% | 20.56% | 3.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $32.1M | $29.7M | +$2.4M | +8.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $185.6M | $188.0M | -$2.4M | -1.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $134.1M | $134.0M | +$89K | +0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.3M | $9.0M | +$279K | +3.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $306K | $306K | $0K | 0.0% |
| All other assets | $23.2M | $25.1M | -$1.9M | -7.5% |
| Total assets | $384.5M | $386.1M | -$1.6M | -0.4% |
| Liabilities | ||||
| Total deposits | $355.0M | $357.4M | -$2.5M | -0.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $5.0M | -$13K | -0.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $2.3M | -$675K | -29.6% |
| Total liabilities | $361.5M | $364.7M | -$3.2M | -0.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $9K | $9K | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $38.0M | $37.3M | +$738K | +2.0% |
| Accumulated other comprehensive income | -$23.1M | -$23.9M | +$859K | +3.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.0M | $21.4M | +$1.6M | +7.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $21K | $59K | -$38K | -64.4% |
| Adjusted nonperforming assets | $21K | $59K | -$38K | -64.4% |
| Tangible equity plus allowance | $24.7M | $23.1M | +$1.6M | +7.0% |
| Texas ratio (gross) | 0.08% | 0.26% | -0.17 pts | See points |
| Texas ratio (adjusted) | 0.08% | 0.26% | -0.17 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.08% | 0.26% | -0.17 pts | See points |
| Tier 1 capital to risk-weighted assets | 20.01% | 19.46% | +0.55 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 20.01% | 19.46% | +0.55 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.88% | 0.86% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 20.89% | 20.32% | +0.57 pts | See points |
| Tier 1 leverage (approximate) | 11.30% | 11.37% | -0.06 pts | See points |
| Construction and land loans to total capital | 20.49% | 15.68% | +4.82 pts | See points |
| Commercial real estate to total capital | 61.02% | 57.93% | +3.09 pts | See points |
| Dividend payout, year to date | 29.40% | 28.74% | +0.66 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -68.08% | -71.77% | +3.69 pts | See points |
| Liquidity | ||||
| Core deposits | $296.6M | $292.9M | +$3.7M | +1.3% |
| Non-core funding | $63.4M | $69.5M | -$6.1M | -8.8% |
| Loans to core deposits | 45.88% | 46.42% | -0.54 pts | See points |
| Loans to deposits | 38.33% | 38.04% | +0.29 pts | See points |
| Brokered deposits share of deposits | 6.76% | 8.39% | -1.63 pts | See points |
| Pledged securities share of securities | 64.07% | 66.62% | -2.56 pts | See points |
| Loans pledged, share of loans | 46.53% | 49.41% | -2.88 pts | See points |
| Volatile liabilities | $63.6M | $69.7M | -$6.1M | -8.8% |
| Earnings | ||||
| Earnings before provision, year to date | $2.9M | $1.4M | +$1.5M | +110.1% |
| Earnings before provision, single quarter | $1.5M | $1.4M | +$139K | +10.1% |
| Provision for credit losses, year to date | $30K | $15K | +$15K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.01% | 7.03% | -0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.47% | 3.47% | -0.00 pts | See points |
| Total interest income to average assets | 4.18% | 4.14% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.73% | 0.57% | +0.16 pts | See points |
| Cost of savings and money market deposits | 1.31% | 1.34% | -0.03 pts | See points |
| Cost of time deposits | 3.20% | 3.03% | +0.17 pts | See points |
| Total interest expense to average assets | 1.16% | 1.09% | +0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $378M | $355M | $136M | 1.22% | 22.21% | 3.59% |
| 2026-06-30 | $385M | $355M | $134M | 1.15% | 19.64% | 3.55% |
| 2026-03-31 | $386M | $357M | $134M | 1.18% | 20.56% | 3.57% |
Branch detail unavailable. Locations are not inferred from headquarters.
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 |
|---|---|---|---|---|
| AL | $331.2M | 0.23% | 57 | Continuing · +0.00 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.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.