# PINNACLE BANK
LINCOLN, NE · FDIC certificate 10634 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $9.18B | |
| Deposits | $8.13B | |
| Loans and leases | $6.83B | |
| Total equity | $888.8M | |
| Loans / deposits | 83.04% (p40 of band) | 87.10% |
| Liquid assets / assets | 23.50% (p59 of band) | |
| Uninsured deposits / deposits | 30.89% (p50 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.98% (p22 of band) | |
| FHLB advances / assets | 0.32% | |
| Tier 1 leverage | 9.92% (p35 of band) | 10.50% |
| Unrealized securities loss / equity | -7.85% (p49 of band) | -7.75% |
| AOCI / equity | 0.51% (p93 of band) | |
| ROA (annualized) | 1.49% (p69 of band) | 1.26% |
| Net interest margin | 3.36% (p29 of band) | 3.70% |
| Efficiency ratio | 46.26% (p15 of band) | |
| Noncurrent loans | 0.07% (p11 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 1670.57% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 93.03% (p85 of band) | |
| Auto loans | $21.7M (0.32% of loans; DQ 1.86%, NCO 0.00%) | |
| Loans to nondepository financials | $72.4M (8% of equity) (p86 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 939 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | deposits shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, deposits shrinking |
| 2023-06 | 3 | NIM <2.5% |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 2 |  | securities losses >30% of equity |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 | capital falling | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-15 [Pinnacle adds 11 financial services professionals in Metro Atlanta and Northeast Georgia - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNXzgxUVlFVlFtNGlxMHQ1R04tUmRoR0RQckVGVXpZbWhNRVA4em5NT24tdE1uWkZaR0RES2kyQzZOWFJUaHFaTVYyNUFySDg1SDM5dUNPTkdaV3VOMGhBdDBWZUMzenVLRGtXX2g0N1dPUF9CTy1EVjBuRThEMUM0WS1BTG9kZlBjdl82ZEVPMUNUaVd2V1dQcTRZbHNSbDBSXzdHNlpFTmk3bVpMSDBJOURkTXVUYlZWSUQ0UERUYnNmZEE4a3VTeVlCYXNibnI1VTZKSVZmVW9OQmN3S3c4?oc=5) · Pinnacle Financial Partners
- 2026-06-26 [Pinnacle chooses new Midtown Atlanta HQ - American Banker](https://news.google.com/rss/articles/CBMigAFBVV95cUxOemFtQm9wM2pqTEhzNm5Ud1FKeWRCVkZCUGt5NXVoRHR3Y0lIX3hQeWlDTC1OT0NzYTRmbl80Y3hmbnpxRUhwM3NOOHFwb1d0dGotbEtybzNSNy1DZU93LTlWVmhnTUZNR19kWFBMd2NwZW40QmxVRGxRMVZvbWtRNg?oc=5) · American Banker
- 2026-07-26 [Kearney Pinnacle Bank Juniors End Season At State - Central Nebraska Today](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZ1ZRdHpsOG1UTTI0R1pBR0UxY1JGN2xVaVR1QlNfOUtqUWhQUVhyMl8zUTFHZl9SU3NKQTZxUnJnYmJVZHJuRVVSaTh0SVAteFhQdjFFSmZpcGVMMDVQMjdIRHNNRE9wLXlGVlhXV1JSaTRmMDdvVkNLU0JRUEpCbllXdWdpNkFiM2hOYjBWNWx2MFQySjZYNHppclpWLUU?oc=5) · Central Nebraska Today
- 2026-06-18 [Pinnacle Financial Partners Announces New Corporate Headquarters at Ten Twenty Spring in Midtown Atlanta - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPazJMY3BrOF81RnB3SndoeDk0eHhyejFrYjF3anVHN201cjZDay1SX3M4Rjh4SUhsNkljc0J2aGpta1pzU1ZhYlpXYklRMk11RTExQ1lCOTdUcTlaYkNPbUpVVWRnNDR4NjFZdXFJMFpUTTZMcXVnWFozVFlqLWlqd0Exb3NOUEEtU3FzOVB3TnJ4NVRQVVJGWWprOXByR1p3bV80MGdGQV9zbVRmeFdwOTJ1cnNYUk5icUJKZDdqOThhUmFFRWxxNGhLZ0ppV2xDZENIZ2NwZjQ?oc=5) · Pinnacle Financial Partners
- 2026-06-17 [Pinnacle Bank Arena reseating set for 2027-28 Nebraska men’s basketball season - 1011now.com](https://news.google.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?oc=5) · 1011now.com
- 2026-08-06 [Pinnacle Bank Championship presented by Woodhouse: Pre-tournament notes, storylines, more - PGA Tour](https://news.google.com/rss/articles/CBMisgJBVV95cUxOX3UxbDZCNWVEVzhEMHlndlVucndFZ1g4dU56eFh6NDZKaExiYS05WWJ5UnZmSnRNZjNLeU9BWmNvWGRBQ2p5Z1phSWxTQk93RUROWVE5ZnFjc3FVTUhPbkhRUzZ4dDY5elE4Y0pubkhWVkxyMWFxOUdyc3pHSExSNGt0RkhPRV8tTUdJRF9wbXJXU2twYV9LNUtYNVkwUHU3ZlRPUXc0U2FzYVJIbEN5VVdCSldYY2FMaEo4bGgyYWViajN4TFdXMFdua3RjNFRGdEtkNmJaUFFSa3dsWmtEOGpqdVhRc2tacEZxRVlPMXV1UnE4SzE5bm1FdFZDTW55RW9SeW5ndDEyQm9pY3NpaDU0WDJCeDltNGV2dVZpSk5UeGM5RDFFeE9Ea1k0bEpxbUE?oc=5) · PGA Tour
- 2026-06-04 [From $130M to $2.4B in under a decade, what's next for Cogent Bank in Northeast Florida - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPWnJFdUhEQ0xJZU4zMmJibGJxa2l3bGgzLVBzUUlld09YR19GZy04WGJCeTdmX2Nab2RpTTVvNGJJNmZHZzB5ZExQSm5peElKaG8weThYYncyOUlOZ2hWQzRlSzVGZUNESFpyaUYzMWQ5T25rNFJEY2lRWnZDcTZZV0xSUmJiaWh5RnpnTFlqNmc3dzdyczhQUnpZRlp5LTA?oc=5) · The Business Journals
- 2026-07-30 [Horrocks joins Pinnacle Bank | Fremont - The Best Mix 105.5](https://news.google.com/rss/articles/CBMie0FVX3lxTE40cnh2SGhlUTBaQXBmdkFaWlZGTG5DUWFiUEExYzlaQWVleEVQejM0azh0aWNYTVVSQXNCLWs2Mkl2VHlYTGdLanZOY2VoM3JQb0YxM29SN0ZHa3o5Zkh0cVlOR0xrSlRiSTRxbGtSZk1UR1BlUGMyZF9mWQ?oc=5) · The Best Mix 105.5

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10634 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "10634", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide