Pinnacle Bank
Elberton, GA·RSSD 366238·FDIC 14065·bank:366238·Risk-based ratios where reported
- #4 of 125Total assets in Georgia
- Top 8%Total assets in the U.S.
- 36offices
- 579employees
- Top 1%Margin improvement in the U.S.
- Top 2%Net interest margin in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Pinnacle Bank
7 of 20 FORFI signals stand out against 271 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal1.73%peers 2.00%-27 bps
Pinnacle Bank's cost of deposits has not eased the way it has at similar banks, while more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.73% | 2.00% | -27 bps |
| Time deposits' share of deposits | ||
| 18.5% | 21.0% | -2.5 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings5.78%peers 3.73%+205 bps
Pinnacle Bank's net interest margin rose 153 bps over the past year to 5.78%. Among 264 similar banks, the median rose 18 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.78% | 3.73% | +205 bps |
| 12-month change | ||
| +153 bps | +18 bps | +135 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital12.70%peers 10.42%+2.3 pp
Pinnacle Bank's leverage ratio rose 3.4 percentage points over the past year to 12.70%. Among 270 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 12.70% | 10.42% | +2.3 pp |
| 12-month change | ||
| +3.4 pp | +0.2 pp | +3.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile. How signals work
Balance sheet jumped in a single quarterNotable: Growth+69.9%
Pinnacle Bank's total assets rose 69.9% from the previous quarter to $4.0 billion. A jump this large usually reflects a merger or acquisition, so FORFI holds back growth comparisons with peers for this quarter.
| Observed | Change |
|---|---|
| Total assets, change in one quarter | |
| +69.9% | |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile. How signals work
3 more observations
- Deposit costs rising while the peer median fallsFunding
- Reliance on CDs rising while the peer median fallsFunding
- Unrealized securities position improving faster than peersCapital
Key facts
- Pinnacle Bank is a bank headquartered in Elberton, Georgia. It reported $4.0 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $3.5 billion, up 70.4% from a year earlier, and loans totaled $3.0 billion, up 84.1%.
- Its net interest margin was 5.78% and its annualized return on assets was 1.56% for the quarter.
- Its cost of all deposits was 1.73%, compared with a median of 2.00% among 263 similar banks with $3 billion to $10 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Pinnacle Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Pinnacle Bank · Bank
- Federal Reserve RSSD
- 366238
- FDIC certificate
- 14065
- Reporting period
- Peer group
- 271 banks with $3 billion to $10 billion in assets that filed FDIC data for the same quarter. Pinnacle Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $12.29M | — | |
| $53.78M | — | |
| $11.97M | — | |
| $41.81M | — | |
| $12.11M | — | |
| $37.12M | — | |
| $100K | — | |
| $638K | — | |
| 1.56% | 1.55%ROAQ · Quarter | |
| 5.78% | 5.76%NIMYQ · Quarter | |
| 68.86% | 68.59%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.