Pinnacle Bank
Elberton, GA
IDRSSD: 366238
Total Assets
$2.27B
Latest filing
Total Deposits
$2.02B
Latest filing
Net Interest Margin
4.43%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061101294ELBERTON, GA
Key People
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Locations
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Main Office
Pinnacle Bank
884 Elbert St
Elberton, GA 30635
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/12/1934FDIC Certificate 8790
Branches (25)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Pinnacle Bank (Main) | 884 Elbert St | Elberton, GA |
| ROYSTON BRANCH | 861 Church St | Royston, GA |
| LEXINGTON BRANCH | 114 N Gilmer St | Lexington, GA |
| BOWMAN BRANCH | 1 N Broad St | Bowman, GA |
| COVINGTON BRANCH | 6124 Highway 278 Ne | Covington, GA |
| MONROE BRANCH | 238 S Broad St | Monroe, GA |
| DOWNTOWN BRANCH | 23 College Ave | Elberton, GA |
| HARTWELL BRANCH | 135 E Franklin St | Hartwell, GA |
Showing 7 of 25
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 | 03/12/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30635 |
| State and County Number | 13105 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 376 |
| Domestic Offices | 26 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/14/1934 |
| Primary Insurance Agency | DIF |
| Website | www.pinnaclebank.com |
| Data Updated | 01/30/2026 |
| CERT | 14065 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.27B |
| Total Deposits | $2.02B |
| Total Liabilities | $2.04B |
| Total Equity Capital | $223.43M |
| Net Income | $8.34M |
| Net Loans and Leases | $1.68B |
| Assets Per Employee ($Millions) | $5.81M |
| Bank Premises and Fixed Assets | $48.00M |
| Cash and Balances due from Depository Institutions | $65.73M |
| Deposits Held in Domestic Offices | $2.02B |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 15.21% |
| Net Interest Margin | 4.43% |
| Efficiency Ratio | 65.43% |
| Tier 1 Risk-Based Capital Ratio | 11.628% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.855% |
| Earning Assets to total Assets | 92.67% |
Income and Expense
| Total Interest Income | $29.46M |
| Total Noninterest Income | $6.45M |
| Total Interest Expense | $6.35M |
| Total Noninterest Expense | $19.43M |
| Net Interest Income | $23.11M |
| Pre-tax Net Operating Income | $9.67M |
| Provision for Credit Losses | $450.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.99M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.20M |
| Federal Funds Purchased and Repurchased Agreement | $1.31M |
| All Other Liabilities | $26.99M |
| Total Liabilities and Capital | $2.27B |
Securities
| Securities | $384.84M |
| Available-for-sale debt securities | $382.49M |
| 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?
$2.27B as of the latest filing.
How much are Pinnacle Bank's total deposits?
$2.02B in total deposits.
Where is Pinnacle Bank located?
Elberton, GA.
What is the Net Interest Margin?
4.43%.
How many domestic offices does it operate?
26.
When was it established?
03/12/1934.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$1.68B (latest filing).
What is the total interest income (latest filing)?
$29.46M.