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Pinnacle Bank
Lincoln, NE·FDIC Cert #10634·Charter: STATE·Est. 18800101.0·HC: PINNACLE BCORP INC
Total Assets
$8.9B
Q4 2025
Return on Assets
1.26%
+0.04%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.75%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.26%+0.04
ROE
13.77%+0.26
Efficiency
51.75%-0.78
Equity/Assets
0.00%+0.00
NPL Ratio
0.05%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.36%-0.90
Charge-offs
0.01%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.7 | 0.8 | 1.1 | 1.1 | 1.2 | 1.3 |
| ROE | 8.3 | 8.3 | 8.7 | 9.7 | 12.8 | 13.0 | 13.5 | 13.8 |
| Efficiency | 71.3 | 68.2 | 64.6 | 61.8 | 57.1 | 54.4 | 52.5 | 51.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.5 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Charge-offs | -0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 83.2 | 84.0 | 81.6 | 84.1 | 82.6 | 83.1 | 84.3 | 83.4 |
Balance Sheet
Total Assets$8.9B
Total Deposits$7.8B
Total Loans$6.5B
Total Equity$857.9M
Profitability
ROA1.26%
ROE13.77%
Efficiency Ratio51.75%
Net Income$107.1M
Risk & Asset Quality
NPL Ratio0.05%
Charge-off Rate0.01%
Loan/Deposit83.36%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans