Pinnacle Bank, Inc.
Pikeville, KY
IDRSSD: 417710
Total Assets
$59.08M
Latest filing
Total Deposits
$48.02M
Latest filing
Net Interest Margin
4.22%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Pinnacle Bank, Inc.
230 S Mayo Trl
Pikeville, KY 41501
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/26/1976FDIC Certificate 15562
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pinnacle Bank, Inc. (Main) | 230 S Mayo Trl | Pikeville, KY |
| GARRISON BRANCH | 13 Garrison Ln | Garrison, KY |
| PIKEVILLE BRANCH | 26 Second St | Vanceburg, KY |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/26/1976 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41501 |
| State and County Number | 21195 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/15/2024 |
| Date of Deposit Insurance | 10/26/1976 |
| Primary Insurance Agency | DIF |
| Website | www.pinnaclebank.co |
| Data Updated | 01/30/2026 |
| CERT | 22355 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $59.08M |
| Total Deposits | $48.02M |
| Total Liabilities | $49.27M |
| Total Equity Capital | $9.81M |
| Net Income | $86.00k |
| Net Loans and Leases | $36.86M |
| Assets Per Employee ($Millions) | $2.95M |
| Bank Premises and Fixed Assets | $2.02M |
| Cash and Balances due from Depository Institutions | $3.21M |
| Deposits Held in Domestic Offices | $48.02M |
Key Performance Ratios
| Return on Assets (ROA) | 0.59% |
| Return on Equity (ROE) | 3.49% |
| Net Interest Margin | 4.22% |
| Efficiency Ratio | 75.91% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.602% |
| Earning Assets to total Assets | 89.61% |
Income and Expense
| Total Interest Income | $838.00k |
| Total Noninterest Income | $77.00k |
| Total Interest Expense | $284.00k |
| Total Noninterest Expense | $479.00k |
| Net Interest Income | $554.00k |
| Pre-tax Net Operating Income | $122.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $259.00k |
| Other borrowed funds | $1.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $444.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $244.00k |
| Total Liabilities and Capital | $59.08M |
Securities
| Securities | $14.03M |
| Available-for-sale debt securities | $14.03M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Pinnacle Bank, Inc.?
$59.08M as of the latest filing.
How much are Pinnacle Bank, Inc.'s total deposits?
$48.02M in total deposits.
Where is Pinnacle Bank, Inc. located?
Pikeville, KY.
What is the Net Interest Margin?
4.22%.
How many domestic offices does it operate?
3.
When was it established?
10/26/1976.
What is the Return on Assets (ROA)?
0.59%.
How much are total loans and leases?
$36.86M (latest filing).
What is the total interest income (latest filing)?
$838.00k.