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Pinnacle Bank

Elberton, GA
IDRSSD: 366238
Total Assets
$2.23B
Latest filing
Total Deposits
$2.00B
Latest filing
Net Interest Margin
4.42%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date03/12/1934
Community BankYes
Ownership TypeNot Mutual
ZIP30635
State and County Number13105
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees376
Domestic Offices26
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance03/14/1934
Primary Insurance AgencyDIF
Websitewww.pinnaclebank.com
Data Updated11/14/2025
CERT14065
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$2.23B
Total Deposits$2.00B
Total Liabilities$2.02B
Total Equity Capital$215.22M
Net Income$7.27M
Net Loans and Leases$1.65B
Assets Per Employee ($Millions)$5.94M
Bank Premises and Fixed Assets$48.52M
Cash and Balances due from Depository Institutions$55.77M
Deposits Held in Domestic Offices$2.00B

Key Performance Ratios

Return on Assets (ROA)1.3%
Return on Equity (ROE)13.8%
Net Interest Margin4.42%
Efficiency Ratio66.33%
Tier 1 Risk-Based Capital Ratio11.594%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.08%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.642%
Earning Assets to total Assets92.63%

Income and Expense

Total Interest Income$29.45M
Total Noninterest Income$5.58M
Total Interest Expense$6.51M
Total Noninterest Expense$19.03M
Net Interest Income$22.94M
Pre-tax Net Operating Income$9.04M
Provision for Credit Losses$450.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$10.35M
Federal Funds Purchased and Repurchased Agreement$407.00k
All Other Liabilities$20.26M
Total Liabilities and Capital$2.23B

Securities

Securities$390.35M
Available-for-sale debt securities$388.04M
Equity securities with readily determinable fair values not held for trading$0
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?
$2.23B as of the latest filing.
How much are Pinnacle Bank's total deposits?
$2.00B in total deposits.
Where is Pinnacle Bank located?
Elberton, GA.
What is the Net Interest Margin?
4.42%.
How many domestic offices does it operate?
26.
When was it established?
03/12/1934.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$1.65B (latest filing).
What is the total interest income (latest filing)?
$29.45M.