Pinnacle Bank (Lincoln, NE)
Pinnacle Bank (Lincoln, NE) reported total assets of $9.2 bn at Q2 2026, up 7.9% on a year earlier, the 175th largest of 497 banks in our US coverage. The CET1 capital ratio at Pinnacle Bank (Lincoln, NE) was 12.35%, and the uninsured share of Pinnacle Bank (Lincoln, NE) was 30.89%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, Pinnacle Bank (Lincoln, NE) climbed from 429th to 330th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Pinnacle Bank (Lincoln, NE) reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.07% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- Since , Pinnacle Bank (Lincoln, NE) has taken over one institution; the latest was Amfirst Bank on (FDIC Call Reports).
What sets Pinnacle Bank (Lincoln, NE) apart
How large is Pinnacle Bank (Lincoln, NE)?
The balance sheet of Pinnacle Bank (Lincoln, NE) at : assets $9.2 bn, deposits $8.1 bn, net loans $6.8 bn (loans equal to 83.04% of deposits). Securities make up 14.1% of total assets at Pinnacle Bank (Lincoln, NE). Since , when Pinnacle Bank (Lincoln, NE) held $4.4 bn, its assets grew 110.3%. In the year to , deposits at Pinnacle Bank (Lincoln, NE) rose 7.8% while its total assets rose 7.9%. At , Pinnacle Bank (Lincoln, NE) employed 939 full-time equivalent staff across 72 offices, about $9.8 mn of assets per employee and $112.9 mn of deposits per office.
How much funding at Pinnacle Bank (Lincoln, NE) is uninsured?
At Pinnacle Bank (Lincoln, NE), uninsured deposits (above the FDIC limit) made up 30.89% of domestic deposits at (+3.98 pp on a year earlier); Pinnacle Bank (Lincoln, NE) ranks 303rd of 500 on this measure. In dollars, Pinnacle Bank (Lincoln, NE) estimated $2.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.1 bn | +7.8% | 164th of 499 |
| Net loans and leases | $6.8 bn | +7.7% | 167th of 500 |
| Loan-to-deposit ratio | 83.04% | -0.10 pp | 302nd of 500 |
| Tier 1 leverage ratio | 9.92% | -0.04 pp | 310th of 500 |
| Total risk-based capital ratio | 13.48% | +0.27 pp | 307th of 448 |
| Net interest margin | 3.36% | +0.55 pp | 330th of 500 |
| Return on assets (ROA) | 1.49% | +0.35 pp | 157th of 500 |
| Efficiency ratio | 46.26% | -8.17 pp | 93rd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $69.7 mn | Narrowed by $36.2 mn | |
| Noncurrent loans to total loans | 0.07% | -0.03 pp | 26th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 75th of 500 (1 = lowest) |
US rank of Pinnacle Bank (Lincoln, NE): 1 = highest unless marked 1 = lowest.
Balance sheet
Pinnacle Bank (Lincoln, NE): assets, deposits and loans
- Total assets $9.2bn
- Deposits $8.1bn
- Net loans $6.8bn
Capital and securities
The CET1 ratio of Pinnacle Bank (Lincoln, NE) stood at 12.35% in , +0.24 pp year on year. Low and high at Pinnacle Bank (Lincoln, NE) since : 10.74% () to 13.03% (). Equity capital of Pinnacle Bank (Lincoln, NE) at : $888.8 mn, or 9.7% of total assets. Pinnacle Bank (Lincoln, NE) also reported a total capital ratio of 13.48% for , and a tier 1 leverage ratio of 9.92%.
The available-for-sale portfolio of Pinnacle Bank (Lincoln, NE) showed an unrealized loss of $69.7 mn at ; the loss narrowed by $36.2 mn over the year.
Pinnacle Bank (Lincoln, NE): capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.9%
Pinnacle Bank (Lincoln, NE): unrealized securities gains and losses
- Available for sale -$70mn
- Held to maturity $0
Profitability and loan quality
For the year to , Pinnacle Bank (Lincoln, NE) earned a return on equity of 15.56%; return on assets: 1.49%. Net interest margin at Pinnacle Bank (Lincoln, NE): 3.36%, +0.55 pp in a year. Pinnacle Bank (Lincoln, NE) net income: $67.3 mn, up 40.6% year on year. The efficiency ratio of Pinnacle Bank (Lincoln, NE) was 46.26%: about 46 cents cost per revenue dollar, against 48 cents at the median peer.
At , noncurrent loans were 0.07% of total loans at Pinnacle Bank (Lincoln, NE); net charge-offs: 0.00% of average loans. Gross loans and leases at Pinnacle Bank (Lincoln, NE): $6.8 bn, up 7.7% in a year.
Pinnacle Bank (Lincoln, NE): profitability
- Return on equity 16%
- Net interest margin 3.4%
- Return on assets 1.5%
Peer group of Pinnacle Bank (Lincoln, NE)
The peer group of Pinnacle Bank (Lincoln, NE) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Pinnacle Bank (Lincoln, NE) (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Nebraska. Against them, Pinnacle Bank (Lincoln, NE) shows CET1 ratio 12.35% against a peer median of 13.93%, return on equity 15.56% against a peer median of 16.02% and uninsured deposit share 30.89% against a peer median of 14.46%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Union Bank and Trust Company | State nonmember bank | NE | $9.2 bn | 12.70% | 15.67% | 11.78% | |
| First American Trust, FSB | Federal savings bank | CA | $9.2 bn | 33.45% | 23.05% | 63.84% | |
| The Bancorp Bank | National bank | SD | $9.2 bn | 14.27% | 31.84% | 2.84% | |
| Pinnacle Bank | State nonmember bank | NE | $9.2 bn | 12.35% | 15.56% | 30.89% | |
| First Mid Bank & Trust | National bank | IL | $9.1 bn | 13.58% | 9.42% | 17.14% | |
| Merrick Bank | State nonmember bank | UT | $9.1 bn | 16.80% | 13.48% | 4.76% | |
| American Savings Bank | National bank | HI | $9.0 bn | 13.49% | 16.36% | 23.32% | |
. FDIC Call Reports.
Last eight quarters
Two years at Pinnacle Bank (Lincoln, NE), to : assets +2.8%, deposits +11.3%, equity +26.6%. Staff 880 to 939; offices 74 to 72.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.9 bn | $8.3 bn | $8.5 bn | $8.5 bn | $8.6 bn | $8.9 bn | $9.1 bn | $9.2 bn |
| Total deposits | $7.3 bn | $7.3 bn | $7.4 bn | $7.5 bn | $7.5 bn | $7.8 bn | $8.1 bn | $8.1 bn |
| Bank equity capital | $702.2 mn | $694.5 mn | $738.1 mn | $779.7 mn | $820.4 mn | $857.9 mn | $848.6 mn | $888.8 mn |
| CET1 ratio | 11.76% | 11.67% | 11.92% | 12.11% | 12.31% | 12.37% | 12.08% | 12.35% |
| Return on equity (ROE) | 8.72% | 9.74% | 12.79% | 12.98% | 13.51% | 13.77% | 15.24% | 15.56% |
| Uninsured share of domestic deposits | 25.37% | 25.56% | 25.69% | 26.90% | 31.06% | 29.78% | 31.01% | 30.89% |
| Full-time equivalent employees | 880 | 892 | 888 | 915 | 896 | 906 | 918 | 939 |
| Number of offices | 74 | 72 | 72 | 72 | 72 | 72 | 72 | 72 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Pinnacle Bank (Lincoln, NE), oldest first; figures before and after each event are not like for like.
- . Absorbed Amfirst Bank (FDIC certificate 5417).
Questions and identifiers
What were the total assets of Pinnacle Bank (Lincoln, NE)?
Pinnacle Bank (Lincoln, NE) reported $9.2 bn at in its Call Report. That makes Pinnacle Bank (Lincoln, NE) the 175th largest of 497 banks in our US coverage.
Is Pinnacle Bank (Lincoln, NE) the same as its holding company?
No. This page covers Pinnacle Bank (Lincoln, NE), FDIC certificate 10634; PINNACLE BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Pinnacle Bank (Lincoln, NE) profitable?
Pinnacle Bank (Lincoln, NE) reported net income of $67.3 mn for the year to ; annualized return on equity: 15.56%. So yes: Pinnacle Bank (Lincoln, NE) made a profit over these months.
When is data for Pinnacle Bank (Lincoln, NE) next updated?
Figures from Pinnacle Bank (Lincoln, NE) for are due after .
Where can I check the figures for Pinnacle Bank (Lincoln, NE)?
In the FDIC BankFind Suite record for certificate 10634, and in the Call Reports of Pinnacle Bank (Lincoln, NE) (RSSD ID 913856) at the FFIEC Central Data Repository.